Core Insights - The Medicare enrollment process is confusing, as individuals must sign up on Social Security's website rather than Medicare's [2] - There are significant conflicts of interest in the sale of Medicare plans, particularly regarding commissions for agents [3][4] Enrollment Process - Individuals do not sign up for Medicare on Medicare's website, which is counterintuitive; instead, they must use Social Security's website [2] Commission Conflicts - Licensed agents can earn up to three times more in commissions for selling Medicare Advantage plans compared to Medigap policies, creating a financial incentive to promote plans that may not be in the best interest of consumers [3][4] - Agents may not present Medigap plans if they do not receive a commission for them, further complicating beneficiaries' choices [7] Plan Comparisons - Medicare Advantage plans are not inherently bad, but they may not be the best option for every individual, and the choices are often not presented equally [6]