As MCOs Suppress Signups, Should Medicare Advantage Try Multiyear Enrollment?
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May 01, 2025
When asked during his Senate confirmation hearing to name the biggest abuses in private insurance, CMS Administrator Mehmet Oz, M.D., promptly answered “Medicare Advantage sales” and criticized brokers for their role in “churning policies.” As an alternative, he suggested offering “multiyear programs for seniors because that would save some of the money that the brokers are taking out of the middle.” While the idea of multiyear plans comes with considerations around bids, risk adjustment, provider networks and other plan aspects, industry experts say it could bring value to the program and be tested first as a demonstration.
The concept of multiyear enrollment in MA is not new. Former Utah Governor and HHS Secretary Mike Leavitt championed the concept in a 2019 white paper published by consulting firm Leavitt Partners. That paper floated the concept of setting up an MA demonstration in which insurers offered multiyear products to certain high-cost beneficiaries to assess whether “upfront investments” would be recovered over a multiyear period because they produced better care management and outcomes. Leavitt and his co-authors suggested a period of at least three years, with appropriate beneficiary protections in place. Leavitt at the time told AIS Health, a division of MMIT, that such a model would promote greater risk sharing and value-based contracting.
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