Medicare Advantage insurers are raising out-of-pocket costs and cutting benefits for enrollees in 2027. Federal data released this week shows drastic reductions in funding for dental work and the elimination of plans with broad hospital and doctor networks. STAT and several investment firms analyzed the data to reveal these shifts. Older adults may face unexpected barriers to care if they do not shop carefully during the annual enrollment period, which starts on Oct. 15. Disruptions could include discovering that a current doctor is no longer accepted by their plan. UnitedHealth Group, Humana, and other major companies are driving these changes as they pursue higher profits. Investors had grown dissatisfied with margins that were smaller than the insurers had previously promised. These plan adjustments occur even after the industry secured a payment increase and delayed reforms from the Trump administration in April.