Humana Becomes Fourth Plan to Challenge Medicare Advantage Star Ratings

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On October 18, Humana filed suit against CMS challenging the 2025 Medicare Advantage (MA) Star Ratings assigned to its plans. Those star ratings, issued on October 10, showed a significant drop for Humana, leading to potentially billions of dollars in reduced payments to the insurer for 2026—the year such ratings impact payments. This is the fourth lawsuit brought in rapid succession by MA plans challenging the 2025 ratings.

In its complaint filed in the Northern District of Texas, Humana alleges that despite its best efforts to work with CMS to determine precisely why its scores had fallen, CMS failed to provide “critical score-validation data” that is “essential to validate CMS’s preliminary calculations.” Humana further alleges that CMS’ publicly disclosed data: (1) contains significant discrepancies such that Humana was “unable to validate” CMS’ results; and (2) that CMS’ methodology for measuring the effectiveness of a customer service call center unduly penalized Humana. Humana asked the court to vacate Humana’s 2025 Star Ratings for being “arbitrary and capricious” and remand them for recalculation. 

Star Ratings—which are on a 1 to 5 scale—are critical to MA plans because higher-rated plans received higher payments from CMS. The ratings are also advertised to Medicare beneficiaries, with higher-rated plans more likely to attract greater enrollment.
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