There is no data anywhere that Medicare Advantage saves money. Your out of pocket is lower however, you have taken the full faith and credit of the US and traded that for a contract with UNH. How might this work out? Judge Joseph Spero’s decision can inform you on Behavioral Health issues. The Poehling lawsuit can inform you on risk adjustment. The California Superintendent of Insurance fines of Pacificare can inform you that UNH prefers dead subscribers since they don’t complain. No official at CMS earns $17 Million per year or has stock options. The decision is ultimately yours. Let the subscriber BEWARE.