When is the Best Time to Move a "J" Medsup to an "F" Or"G"??

So I have been watching the rate increases on my customers that bought "J" medsups and have not seen a divergence in percentage increase over "F". My thinking was that as long as the rate increases weren't diverging, there was no reason to suggest changing to the "F".

Tonight I decided to look up some info in my medsup producers handbook(on another topic) and discovered that for my UHC J customers, if they decided to switch to another medsup, they have to be underwritten....again. Yes. they still get (original)entry age premium but they must pass underwriting.

The question is,

Should
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