I think some of those are on grandfathered plans who are paralyzed by plan change aversion (at least in my markets)
. As the carriers keep gaming the Star Ratings with new and improved plan offerings, the stubborn old fogies stay on their overpriced dinosaur plans.
It’s very very rare to run into those . When I do I lick my chops . As you said the company sure as hell won’t call those to change as they make a fortune on them .