When I used to work for Humana in the call center in 2018-19, they used to tell us that in part due to having one rate increase a year and a commitment to being competitive, they are right there with the leading sup carriers on price stability.
Like so many carriers, they have pockets where (I suppose) they might be competitive.
I have worked the GA market (Medigap only) since 2010. Prior to 2020 or so, the only Medigap that was somewhat competitive was HDF. I actually wrote a few of those but I have no idea why. Other carriers were much easier to work with.
They did not have a working e-app and the fax line went . . . somewhere.
In 2020 (or maybe a year or so earlier, they introduced a G plan. It was moderately competitive but now it isn't. They are back to having nothing to offer that I can see.
You can put me in the "I don't move clients every 2 - 3 years" club. Some never move, others perhaps 5 years or so.
I have no idea who told you Medigap clients move every 2 - 3 years. Sounds like a manager that couldn't sell life rafts from a neon lighted booth on the Titanic.
And most of my clients stay with me until the hearse comes to pick them up.
What I really like, and so do my clients, is no hassle claims. No referrals, pre-authorization, denials, yada, yada, yada . . .
Life is good.