Overview

• U.S. District Judge Reed O’Connor dismissed Humana’s lawsuit with prejudice after finding CMS’s no-callbacks policy lawful, though the insurer can still appeal.
• CMS had lowered Humana’s 2025 ratings based on three test calls that found no interpreter available for beneficiaries with limited English proficiency.
• Humana said it is disappointed with the decision and is considering all available legal options.
• Company executives previously said they submitted 2026 Medicare Advantage bids assuming they would not win the star-ratings challenge.
• Analysts have estimated billions of dollars in revenue at risk for Humana, and CMS’s 2026 ratings show only 20% of its members are in plans rated at least 4 stars.