Because of the Patient Protection and Affordable Care Act, seniors enrolled in Medicare Advantage plans are paying higher premiums and experiencing a reduction in benefits and disrupted coverage. And that's just the beginning.

That's the dire message from America's Health Insurance Plans, which predicts will hit seniors even harder over the next two years.

In a letter to the Centers for Medicare and Medicaid Services Administrator Marilyn Tavenner in late November, AHIP CEO Karen Ignagni said the Medicare Advantage program faces "severe underfunding" due to the administration's regulatory actions to the program.

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