The BDN Opinion section operates independently and does not set newsroom policies or contribute to reporting or editing articles elsewhere in the newspaper or on bangordailynews.com. Robert E. Moffit, Ph.D., is a senior fellow in domestic policy studies at The Heritage Foundation. Medicare Advantage, a program of competing private health plans for Medicare beneficiaries, is breaking records for enrollment, health plan choice and competition and cost savings for America’s senior and disabled citizens.