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Re Kiplinger, there is no question that Medicare Advantage has lower out of pocket costs. The differences show up as we age and have greater need for medical services. Then the copays etc can make Advantage more costly.

This is another one of those crystal ball issues. If you correctly guess how long you will live and what medical events will come your way, you can make better choices. Its probably about 50/50 you will guess right.

In the meanwhile, most take the money; ie, the lower out of pocket cost of Advantage.
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