My broker told me that I probably cannot switch between Medigap plans (like switching from plan N to plan G) not even within the same Insurer. So basically you are stuck with the plan you pick your first year for the rest of your life. The one exception is leaving medigap to join an Advantage plan at any time. So when you reach Medicare you are thrown back into the preexisting conditions that the ACA was meant to protect. SMH
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