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Thousands of Medicare Advantage members may have a rare opportunity to switch plans after losing access to doctors or hospitals.

For several years, Fred Neary had been seeing five doctors in the Baylor Scott & White Health system, whose 52 hospitals serve central and northern Texas, including Neary’s home city of Dallas. But in October, his Humana Medicare Advantage plan — the alternative to government-run Medicare — warned that Baylor and the insurer were fighting over a new contract. If they couldn’t reach an agreement…