Without $200 an app marketing money and the $250 an app override there’s no way call centers can survive long term with 50-60% persistency . They make little money in yrs 2-4 as there persistency so bad .It’s a crap business model as is but without the above payments its a bk business model .I see this a boon for the call centers because as MA members get their ANOC they will not be aware that all the MA plans will not be better for 2025 and they will be more likely to start calling the medicare help lines and be fed lies to get them to switch.
I think UHC will be even stronger in 2025 mostly at Humana's and Aetna's expense since they already pulled back some benefits in 2024 compared to most other carriers.I hope they keep their HMO plans Open Access