I was surprised that the “medical underwriting” was so superficial and done by non-medical people. I had moved from a state that allowed supplement plans to raise rates faster to a state that didn’t allow that. Who knew? I was a fairly healthy 72 year old. My only medication was one mg. Prednisone and I was denied. My husband had a history of surgery for prostate cancer and a heart stent and he was accepted. I think the point is that changing to traditional Medicare after being in an Advantage plan may be very difficult. I would note that my friends who are in larger group plans (like state and federal government employees) seem to have more options to change than those of us who are out on our own. I plan to stay in traditional Medicare. Lots of news now about how much money insurance companies are making from Medicare and Medicaid.