Medicare changes keep coming, and you can expect more in the future. THE MARKET CHANGES because there are 55 Million Medicare beneficiaries, 10000 turn 65 years old every day, and oh yeah, the government is running a deficit (if you didn’t already know this. Add in the fact that carriers are competing for your business while they are trying to remain profitable, and you don’t need to know anything about insurance to understand that changes are inevitable.