Medicare star ratings explained
A useful signal, but not the whole story.
Medicare rates Medicare Advantage and Part D plans from 1 to 5 stars each year, based on quality and performance. The ratings are published in October, ahead of Open Enrollment, and shown in the Medicare Plan Finder.
Reviewed by Joshua H. Pannell, Licensed Insurance Agent (SC license #400481) ·
What the stars measure
- Staying healthy: screenings, tests and vaccines.
- Managing chronic conditions.
- Member experience with the plan.
- Member complaints and choosing to leave the plan.
- Customer service.
- For drug plans: drug safety and pricing accuracy.
Stars and your enrollment rights
- 5-star Special Enrollment Period: you can switch to a plan rated 5 stars once between December 8 and November 30 of the following year.
- Low-performing plans: if a plan has been rated below 3 stars for 3 years in a row, Medicare flags it and you can switch out at any time.
Their limits
Ratings reflect averages across a plan's members, often from earlier years. They don't tell you whether your doctors are in network, whether your drugs are covered, or what you'll pay. Use them alongside those checks, not instead of them.
Common questions
In the Medicare Plan Finder on Medicare.gov, and in the plan's materials.
Not necessarily. A highly rated plan may not include your doctors or cover your drugs well.
Want help comparing your options?
Currently we represent 41 organizations which offer 397 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.
Sources
- Special Enrollment Periods, Medicare.gov. Checked September 29, 2026.
- Joining a health or drug plan, Medicare.gov. Checked September 29, 2026.
General information about the federal Medicare program, not advice about your situation. Figures are for 2026 unless stated and change every year; last reviewed September 29, 2026. Quote My Policy is a private company. Not connected with or endorsed by the United States government or the federal Medicare program.
Currently we represent 41 organizations which offer 397 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.