Iāll agree with this and Medicare waa is wrong . The reason I know this is uhc has blanketed my areas with mailers and Iāve gotten 40 calls from clients do they need to call . All these older people on Facebook now and respond to ads . United can take 1/3 those commission savings and blanket advertise all aepWrong. They have endless dollars for marketing and already have plenty of ammo for sales too. WTF are you talkn bout. 20 years has been a good run while interest rates have been 0% for a decade. Shit is hitting the fan and the last twi years are coming to fruition. Bankruptcies layoffs mortgage delinquencies. Its all here.