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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800– MEDICARE to get information on all of your options.
The Centers for Medicare and Medicaid Services uses a star rating system to evaluate Medicare Advantage plans and Medicare Part D plans. Plans can receive from one star (poor) to five stars (excellent), and the ratings are based on numerous metrics, including factors such as customer service, how easy it is for enrollees to receive care, how well the plan does at improving or maintaining members’ physical and mental health, and how quickly the plan handles appeals – among many others. (See Tables 7, 8, and 9).
There are up to 40 metrics for Medicare Advantage plans with Part D coverage (MA-PDs), up to 30 metrics for Medicare Advantage plans without Part D coverage, and up to 12 metrics for stand-alone Part D plans (PDPs).1
Star ratings are assigned at the contract level, rather than the plan level. Most contracts have numerous plans, but all plans under a given contract receive the same star rating. Some contracts do not receive star ratings, either because sufficient data are not available, or because the contract is too new.
For 2024, the average Medicare Advantage plan with integrated Part D coverage (MA-PD) received 4.04 stars, down from 4.14 in 2023 (the average is weighted by enrollment). And the average stand-alone Part D plan received 3.11 stars (down from 3.25 in 2023). CMS reported that nearly three-quarters of 2023 MA-PD enrollees were in plans that had received at least four stars for 2024, but only about 2% of PDP enrollees were in plans that had received four or more stars for 2024.1
The overall number of plans receiving 5-star ratings is significantly lower than it was in 2022 and 2023, but higher than it was in 2021.1 Part of the reason for the decline in 2024 ratings is due to the introduction of a new methodology that removed extreme outliers from the data, mostly on the lower end of the spectrum. This made it more challenging for plans to earn 4 or 5 stars, and will result in lower rating-based bonuses for plans.2
For 2024, there are a total of 36 Medicare contracts nationwide that have a 5-star rating. Three are Medicare cost plans and 31 are MA-PDs. The other two are stand-alone Part D plans, but they’re only available as employer group plans, and cannot be purchased by individuals (see Tables A1, A2, and A3 here for details about the plans that received 5-star ratings for 2024).
The following contracts have 5-star ratings for 2024.1 Some of these plans (including both of the PDPs) are EGWPs, which means they’re only available via an employer that offers them, rather than being available for individual Medicare beneficiaries to purchase.
5-Star Medicare Advantage plans with Part D coverage
5-Star Medicare cost plans
5-Star Stand-alone Part D plans
Both of the five-star Part D plans are employer group health plans, and are not available for individuals to purchase on their own:
If there’s a 5-star plan available in a given area, Medicare beneficiaries in that area have an opportunity to switch to that plan throughout most of the year (from December 8 through November 30). But although the majority of Medicare Advantage plans (and quite a few stand-alone Part D plans) receive at least four stars, very few receive five stars. The 5-start special enrollment period (SEP) is only available to you if there’s a 5-star plan in your area (available to you, meaning it’s not available just to employees/retirees of a particular business) and you’re choosing to enroll in it during the SEP.
Need information about Medicare and its coverage options? Learn everything there is to know about Medicare plans, eligibility, enrollment, and premiums.
The Centers for Medicare and Medicaid Services (CMS), is the federal agency that administers the nation's Medicare Program. The agency, formerly known as the Health Care Financing Administration (HCFA), also works with state governments to administer programs that include Medicaid and the Children's Health Insurance Program (CHIP).
Need information about Medicare and its coverage options? Learn everything there is to know about Medicare plans, eligibility, enrollment, and premiums.
The Centers for Medicare and Medicaid Services (CMS), is the federal agency that administers the nation's Medicare Program. The agency, formerly known as the Health Care Financing Administration (HCFA), also works with state governments to administer programs that include Medicaid and the Children's Health Insurance Program (CHIP).
