Older members claim more, but the right plan still keeps healthcare affordable. The key is matching chronic and in-hospital benefits to your real usage without paying for extras.
Yes — provided you have continuous prior cover, you can switch without re-applying for the late-joiner penalty or new waiting periods (in most cases).
Not based on age — community rating means everyone on a plan pays the same rate. Savings come from choosing a lower-cost option or network plan, or from an employer post-retirement subsidy.