Plan N seems to be a nice alternative to a MAPD. When you get outside metro areas people have $6700 MOOP. Most people won't save the difference. Just like they didn't buy term and invest the difference.I'm afraid I will have to take issue with this #1. My dad has been on Coventry MAPD since 2009. I told him to take the premium savings, and stash it away in case he ever needed to go into the hospital. Well, September of 2014 through December of 2014, he had four operations. It cost him a whopping $4,365.00. Met his OOP in October of that year. Was back in the hospital in January of 2015. Met his OOP in January of 2015. Now, all that being said, I still wanted Aetna to close that plan, so I could move him to a Med Supp, but it was not to be. For those that had a group health plan at work, that didn't mind being "nickeled and dimed" until they met a MOOP, than an MAPD is for them. By the way, my dad was 80 in 2009, so do the math as to what the monthly premiums would have been for a Plan F for him then. Once my dad kicks, I am only going to sell Med Supps. Already out of the PDP game. Not worth it.