Faced with higher utilization and changes to risk adjustment, insurers seem to be pulling back on Medicare Advantage — and this could cause significant disruption for seniors, especially given how most seniors are enrolled in Medicare Advantage plans compared with traditional Medicare.

UnitedHealthcare — the largest MA insurer — announced that more than 600,000 Medicare members will be affected by 2026 product exits, “primarily in less managed products such as [Preferred Provider Organization] offerings,” CEO Tim Noel said during its recent earnings call . PPO is a type of insurance plan in which patients can receive care from providers in or out of network. Contrast this with Health Maintenance Organization (HMO) plans, in which members mostly get care inside the network.

Generally

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