(https://www.marketwatch.com/story/medicare-advantage-patients-who-get-diagnosed-with-alzheimers-or-other-serious-diseases-are-ditching-their-plans-and-it-can-cost-them-b5c42717?mod=mw_rss_topstories) after serious diagnosis is the adverse selection signal that tests margin resilience. This isn't claim volatility — it's the beginning of the plan-switching season that runs Oct 15-Dec 7, and it directly targets the highest-cost enrollees.

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