The short answer: If you can't predict exactly what drugs you are likely to need, picking a better plan will be a shot in the dark. 

Switch to a more expensive Medicare supplement? That would likely be counterproductive: HDG premium savings offset the out-of-pocket costs and save big bucks during healthier times.  

Medicare Advantage Minute: hundreds of thousands are going to be thrown off their plans by financially stressed insurance companies.

The Medicare Wikipedia page discusses proposed limitations on Medicare supplement plans and whether they might not be effective.

Finally, our favorite non-insurance selling Medicare advisor Diane Omdahl draws a connection between government price controls and a reduced insulin availability.

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