It is open enrollment for Medicare until December 7 so if you are going to change from your HMO the time is now. My company is no longer selling my current plan and I am not choosing Medicare advantage. I will get a medigap plan G because I’m in the position now where they have to accept me. Medigap doesn’t have to accept me because of my health conditions if I take an advantage plan and try to switch to medigap later. Underwriting. I also want to be able to go to doctors outside the network of advantage plans easily and also not have to get pre approval for things. If you are able to change to a medigap you might want to consider it while you still can.