It’s seems more and more “healthy “ T-65’s opt for mapd because they “rarely “ use services. We can argue what’s better a sup or mapd . But what we can’t argue is what will happen to future pricing with sups .If mostly sickier t-65’s buy med sups and mostly sickier people keep med sups as they get older . What happens to pricing ?.Med sups need a big influx of healthy people to keep rates increases even at 8-10%. Every company will be playing shell games and closing blocks . Those people will be stuck with 15-25% rate increases . If necessary mapd plans can reduce or eliminate extra benefits to keep medical benefits stable .