The Accreditation Advantage

NCQA-Accredited Health Plans Perform Better in HEDIS® and CMS Star Ratings

EXECUTIVE SUMMARY

The Opportunity in Medicare Advantage

Medicare Advantage (MA) now covers more than half of all eligible Medicare beneficiaries. In 2026 that was 35 million people.1 The CMS Star Ratings are a key driver of clinical outcomes, membership growth and financial results for MA plans. Highly rated plans can earn bonus payments from Medicare, and much of that money is required to go back to members in the form of increased benefits, lower cost sharing or reduced premiums.

Quality bonus payments to MA plans are estimated to exceed $13B in 2026, which equates to approximately $400 per member across employer, individual and special needs plans.2

Accredited MA plans outperform non-Accredited plans.

NCQA analyzed the CMS Star Ratings performance of Accredited and non-Accredited MA plans from 2022 to 2024, and the pattern was clear: NCQA Accredited MA plans outperform non-Accredited plans on clinical quality and consistently achieve higher CMS Star Ratings, with a greater share operating at 4 Stars or higher.

The opportunity is significant.

If non-Accredited plans performed at Accredited-plan rates across the 13 HEDIS® measures analyzed, up to 6 more members per 100 eligible would reach their targets for preventive screening and chronic condition management—leading to more than 1.5 million care gap closures. Avoided Medicare medical spend could reach $174M–$320M annually.

THE FINDINGS

NCQA Accredited Medicare Advantage plans outperform non-Accredited plans

NCQA Accredited Medicare Advantage (MA) plans outperform non-Accredited plans on clinical quality and achieve higher CMS Star Ratings, with a greater share of plans operating at 4 Stars or higher.

These findings are particularly relevant in a market defined by increasing financial pressure, regulatory scrutiny and competition for members. Star Ratings directly influence bonus payments, benefit design and market positioning, making quality performance a strategic priority.

What We Found

  • Higher Star Ratings: Higher percentage of Accredited plans operate at 4 Stars or higher.
  • Stronger HEDIS® performance: Accredited plans lead on core clinical quality measures across years.
  • Better cut point performance: Accredited plans more often clear CMS thresholds (cut points) tied to higher ratings.
  • Modestly stronger CAHPS® results: Accredited plans trend higher on several member experience measures.

Why It Matters

If non-Accredited plans performed at Accredited plan rates:

  • Care gap closure: 1.5M additional Medicare beneficiaries receiving needed care and services each year.
  • Lives saved: 1,712-2,068 breast cancer and colorectal cancer deaths averted.
  • Medicare cost savings: $174M to $320M annual medical cost savings, which equates to $1B (Net Present Value) over five years.
  1. https://www.kff.org/medicare/medicare-advantage-in-2026-enrollment-update-and-key-trends
  2. https://www.kff.org/medicare/medicare-will-spend-more-than-13-billion-on-the-medicare-advantage-quality-bonus-program-in-2026
  3. https://www.cms.gov/files/document/effectuated-enrollment-early-snapshot-2025-and-full-year-2024-average.pdf
  4. https://data.medicaid.gov/dataset/52ed908b-0cb8-5dd2-846d-99d4af12b369?conditions%5b0%5d%5bproperty%5d=year&conditions%5b0%5d%5bvalue%5d=2024&conditions%5b0%5d%5boperator%5d=%3D
  5. https://www.census.gov/library/publications/2025/demo/p60-288.html
AT-A-GLANCE
66%vs.52%
Accredited plans achieve 4+ Stars 66% of the time,
vs. 52% for non-Accredited plans

Medicare Advantage lags other lines of business in plan accreditation.

Share of Covered Lives with NCQA Health Plan Accreditation
% of covered lives in Accredited plans by line of business, Measurement Year 2024
Exchange – ACA Marketplace
~95%
Medicaid – Managed Care Organizations
~86%
Commercial – Group & Individual
~58%
Medicare Advantage – Lowest Rate
~44%

In the Medicaid, Commercial and Exchange markets, Accreditation is a standard used to set a quality bar—built into contracting, procurement and participation requirements. Plans use it to differentiate, demonstrate operational discipline and win business. In Medicare Advantage—the line of business with high financial stakes through Star Ratings and bonus payments—the rate of Accreditation is the lowest.

This Accreditation gap represents substantial untapped potential for better cost control for plans and meaningful savings for the government entities that fund care.

Source: NCQA Accreditation and HEDIS data and publicly reported enrollment reports.

  1. https://www.cms.gov/files/document/effectuated-enrollment-early-snapshot-2025-and-full-year-2024-average.pdf
WHAT CLOSING THE GAP COULD MEAN
1.5M+
Additional care gaps closed for Star Ratings measures*
~$1B
Estimated medical costs avoided over 5 years*
* If non-Accredited plans performed at Accredited plan rates.
Real-world impact calculation inputs are based on findings from research studies related to the HEDIS measures in the CMS Star Ratings. Priced on the specific clinical events each measure averts, at Medicare costs, with shared events counted only once.
KEY FINDING #1: STAR RATINGS

Accredited plans consistently achieve higher overall Star Ratings year over year.

Accreditation is associated with stronger outcomes and offers a structured framework that plans use to sustain quality improvement over time. NCQA has set quality standards for health plans for more than 35 years and our Health Plan Accreditation is widely recognized as a rigorous framework for quality improvement and operational excellence.

Less variability: Accredited plans also show fewer low-performing outliers and a greater concentration of plans at higher performance levels.

Accredited Plans More Often Score at 4 Stars or Higher
% of MA plans with an overall CMS Star Rating of 4 Stars or higher (Measurement Years 2022–2024)

Source: NCQA Accreditation data and CMS publicly reported Star Ratings performance and Star assignment data.

AT-A-GLANCE
14%
Share of Accredited plans earning 4+ Stars in Measurement Year 2024 vs. non-Accredited plans
KEY FINDING #2: HEDIS PERFORMANCE

Accredited plans outperform non-Accredited plans across 12 HEDIS measures that are included in the Star Ratings formula.

The advantage observed among Accredited plans suggests that Accreditation is associated with the development of these capabilities in a systematic and repeatable way.

Accredited Plans Outperform Non-Accredited Plans Across 12 of 13 HEDIS Measures
Average performance rates (%), MY 2024
AccreditedNon-Accredited
Osteoporosis Mgt. +7 PTS
Accredited49%
Non-Accredited42%
Glycemic Assessment +6 PTS
Accredited88%
Non-Accredited82%
Colorectal Screening +6 PTS
Accredited74%
Non-Accredited68%
Eye Exam +5 PTS
Accredited80%
Non-Accredited75%
Kidney Health +5 PTS
Accredited64%
Non-Accredited59%
Breast Cancer Screening +5 PTS
Accredited77%
Non-Accredited72%
Transitions of Care +5 PTS
Accredited67%
Non-Accredited62%
Blood Pressure Control +4 PTS
Accredited81%
Non-Accredited77%
COA – Med Review +3 PTS
Accredited97%
Non-Accredited94%
COA – Pain Assessment +3 PTS
Accredited96%
Non-Accredited93%
Follow-up After ED +2 PTS
Accredited62%
Non-Accredited60%
Statin Therapy +1 PT
Accredited87%
Non-Accredited86%
Readmissions +<1 PT
Accredited10%
Non-Accredited10%
+4PTS
Average performance advantage of Accredited plans across the 13 HEDIS measures

Source: NCQA Accreditation data and performance rate data from HEDIS, stewarded by NCQA.

AT-A-GLANCE
+4PTS
Average performance advantage of Accredited plans across the 13 HEDIS measures.
KEY FINDING #3: CUT POINT PERFORMANCE

Accredited plans clear the 4-Star threshold more often—and with less variation.

CMS sets performance thresholds (cut points) that determine whether a plan earns 1 to 5 Stars on each measure. The 4-Star cut point is especially important because plans must earn a rating of 4 Stars or higher to qualify for bonus payments. Even small differences near the 4-Star cut point can swing rating outcomes—and bonus payment eligibility.

Accredited plans have widened their advantage over non-Accredited plans from four more measures exceeding the 4-Star cut point in Measurement Year 2022 to seven more measures in Measurement Year 2024.

Accreditation Promotes Consistency

Accredited plans show fewer low performing outliers and a greater concentration of plans at higher performance levels, as shown in the example below.

Scatterplot of plan-level Glycemic Status Assessment performance rates by Accreditation status, Measurement Year 2024. Accredited plans average 88 percent and non-Accredited plans average 82 percent, against an 87 percent cut point for a 4-Star rating.
PERFORMANCE ACROSS THE CUT POINT
GLYCEMIC STATUS ASSESSMENT (Measurement Year 2024)
ACCREDITED PLANS
88%
NON-ACCREDITED PLANS
82%
Above 4-Star Cut Point Below 4-Star Cut Point Cut Point for 4-Star Rating = 87%
6PTS
The performance gap that separates the two groups placing the average Accredited plan above the 4-Star cut point and the average non-Accredited plan below it.

Source: NCQA Accreditation data and CMS publicly reported Star Ratings performance and Star assignment data.

AT-A-GLANCE
9
Accredited
vs.
2
Non-Accredited
Number of HEDIS measures where the Accredited plan average exceeded the 4-Star cut point versus the non-Accredited plan average in Measurement Year 2024.
KEY FINDING #4: REAL-WORLD IMPACT

What it could mean if non-Accredited plans performed as well as Accredited plans.

Differences in performance translate to real-world impact in terms of care gaps closed, Medicare costs averted and lives saved.

Modeled Population Health Impact (Measurement Year 2024 Data)
HEDIS Measure Additional Members Reaching Target Clinical Outcome / Lives Saved
Breast Cancer Screening 128K(5.1 per 100 eligible) 51–154Cancers detected in earlier stages
Colorectal Cancer Screening 328K(5.7 per 100 eligible) 295–656Cancers prevented and 134–524 cases caught earlier
Controlling High Blood Pressure 186K(3.4 per 100 eligible) 780–1,801Heart failure events and strokes prevented
Eye Exam for Patients With Diabetes 149K(5.9 per 100 eligible) 149–804Vision loss cases prevented
Glycemic Status Assessment for Patients With Diabetes 144K(5.7 per 100 eligible) 808–2,295Diabetes-related deaths prevented
Kidney Health Evaluation for Patients With Diabetes 197K(5.9 per 100 eligible) 197–983Years of dialysis prevented
Follow-Up After Emergency Department Visit 33K(1.7 per 100 eligible) 82–655Emergency department revisits and admissions prevented
Osteoporosis Management In Women Who Had a Fracture 3,262(7.1 per 100 eligible) 34–65Fractures prevented in older women
Plan All-Cause Readmissions 5,254(0.3 per 100 eligible) 5,254Avoidable readmissions prevented
Statin Therapy 7,987(1.2 per 100 eligible) 80–112Recurrent cardiovascular events prevented
Transitions of Care 156K(5.8 per 100 eligible) 1,641–4,690Readmissions prevented

Source: Real-world impact calculation inputs are based on findings from research studies related to the HEDIS measures in the CMS Star Ratings. All studies are referenced on our methods page at: https://www.ncqa.org/accreditation-advantage-methods.

MEDICARE COSTS AVERTED (IN 2026 DOLLARS)
IF ACCREDITED-LEVEL PERFORMANCE IS SUSTAINED BY NON-ACCREDITED PLANS
$174M–$320M
Annual Medicare cost savings
$795M–$1.5B
5-year Medicare cost savings (Net Present Value)
$1.5B–$2.7B
10-year Medicare cost savings (Net Present Value)
Priced on the specific clinical events each measure averts, at Medicare costs, with shared events counted only once.
KEY FINDING #5: CAHPS PERFORMANCE

Accredited plans perform better on CAHPS measures of patient experience.

Similar to the HEDIS measures, most CAHPS measures show that Accredited plans trend toward better performance, but with greater variability and smaller differences. Even small variations can be significant for plans that sit close to a cut point in the Star Ratings.

6 of 7 measures favor Accredited plans
Accredited Plans Perform Better Than Non-Accredited Plans on Most CAHPS MeasuresPerformance gap in percentage points, MY 2024
CAHPS Measure Accredited Avg Non-Accredited Avg Performance Gap (percentage points)
Flu Vaccine 69.23% 65.75% +3.48
Health Plan Rating 87.54% 86.72% +0.82
Health Care Quality 87.18% 86.63% +0.55
Customer Service 90.53% 90.23% +0.30
Getting Care 81.49% 81.25% +0.24
Getting Appointments 83.88% 83.83% +0.05
Care Coordination 87.24% 87.28% -0.04
Notes: 1. Gap = Accredited plan average minus non-Accredited plan average (percentage points). Positive values indicate Accredited plans score higher.   2. Analysis includes 661 unique plans in MY 2024.
CAHPS measures add aMEMBER EXPERIENCE LENSto plan performance
Accredited plans generallyTREND HIGHERon measures of access, quality and communication

Source: NCQA Accreditation data and CMS publicly reported Star Ratings performance and Star assignment data.

The real-world impact of Accreditation.

Performance differences between Accredited plans and non-Accredited plans have real-world impact in terms of gap closure, disease progression slowed, lives saved and Medicare costs averted. Select a measure to learn why it matters and what it could mean if non-Accredited plans performed at the same level as Accredited plans.

Source: NCQA Accreditation data and CMS publicly reported Star Ratings performance and Star assignment data.

HEALTH PLAN PERSPECTIVES

How Accredited plans operationalize standards to drive performance.

Strong HEDIS and Star Ratings performance is rarely the result of a single program or intervention. It requires a long-term investment in data, infrastructure and clinical programs to improve the health of members and communities. NCQA interviewed quality and clinical leaders from high-performing Accredited MA plans and several common themes emerged:

Create a Culture of Quality

The most successful MA plans view quality as an organizational responsibility, not the work of a single department. Leaders prioritize quality from the top down and create shared accountability for outcomes.

Use Accreditation as a Roadmap for Improvement

Many plans describe Accreditation as a strategic improvement framework—a structured way to identify gaps, strengthen accountability and drive organizational performance.

Double Down on Data Acquisition and Analysis

High-performing MA plans view data as a strategic asset. They are combining multiple streams of information—claims, clinical, provider, pharmacy and member experience data—to create actionable intelligence that supports quality improvement and population health management.

Focus on Whole-Person Care

Successful MA plans go beyond traditional claims-based analysis to develop a comprehensive understanding of each member’s health status, risks and needs. The focus shifts from simply identifying care gaps to understanding the barriers that created those gaps and deploying targeted interventions that make it easier for members to receive the care they need.

Build Strong Care Delivery Partnerships

The strongest plans do not simply encourage clinicians to improve quality performance. They actively equip them to succeed—from providing actionable data to support value-based contracting to investing in equipment and infrastructure to improve access to care.

Invest in Communities and Address Needs Beyond Clinical Care

Many drivers of population health occur outside the walls of traditional healthcare. As a result, high-performing MA plans are investing in community partnerships and programs that address access, health literacy, social needs and member engagement.

Accredited MA Plan Success Stories

Find out how high-performing Accredited MA plans are investing in population health strategies that improve HEDIS and Stars Performance—and how Accreditation serves as a roadmap for success.

SERVICE AREA
Florida
MEDICARE MEMBERS
24,000
IN MEDICARE MARKET SINCE
2006
SERVICE AREA
New York
MEDICARE MEMBERS
74,000
IN MEDICARE MARKET SINCE
1999
SERVICE AREA
[Add service area]
MEDICARE MEMBERS
[Add members]
IN MEDICARE MARKET SINCE
[Add year]
SERVICE AREA
Pennsylvania
MEDICARE MEMBERS
85,000
IN MEDICARE MARKET SINCE
2006
SERVICE AREA
[Add service area]
MEDICARE MEMBERS
[Add members]
IN MEDICARE MARKET SINCE
[Add year]
SERVICE AREA
Michigan
MEDICARE MEMBERS
270K
IN MEDICARE MARKET SINCE
2005
MY 2024 STAR RATING FOR COLORECTAL CANCER SCREENING:
5 Stars
SERVICE AREA
Pennsylvania
MEDICARE MEMBERS
226,000
IN MEDICARE MARKET SINCE
2001

Improving Community Health Through Accreditation: Capital Health Plan’s High-Touch Approach to Quality

NCQA Accreditation is closely aligned with Capital Health Plan’s (CHP) mission to improve the health of the communities it serves. As a longstanding fixture in the community since 1982, CHP operates in nine counties in the Florida panhandle, eight of which are rural, making access to healthcare a significant challenge. Rather than viewing Accreditation as a compliance exercise, the plan uses NCQA’s quality framework to develop programs that bring care closer to members and reduce barriers to accessing needed services.

Because of its relatively small size and deep roots in the community, CHP is able to build personal relationships with members and providers in ways that larger organizations often cannot. Roughly one-third of members receive care from CHP-employed clinicians, while two-thirds are served by affiliated practices. This hybrid model allows CHP to align quality strategies across both employed and affiliated practices, creating consistency in how care gaps are identified and closed.

“Our quality improvement program for NCQA Health Plan Accreditation feeds directly into our population health strategies. Through those programs, we gather documentation to show how we are improving the health of the community, which is one of our key pillars. It all ties together.”

Mary Goble, Former Director, Clinical Quality and Performance Improvement Department, Capital Health Plan
Making Strategic Investments to Improve Access to Care

NCQA Accreditation standards help guide the programs and partnerships that define CHP’s population health approach. The plan has made strategic investments that improve access to care in the rural communities it serves by bringing resources directly to practices and community settings.

  • Centralizing ancillary services. CHP has invested in equipment and staff to expand access to ancillary services like x-rays and mammography within its owned medical practice and offers affiliated clinics the option to schedule procedures in its facilities.
  • Increasing access to eye exams. CHP developed an eye clinic within its medical practice and provides care gap lists for the staff to contact members with diabetes who are overdue for their eye exams.
  • Offering non-sedated colonoscopies. CHP hired an Advanced Practice Registered Nurse who is trained to perform colonoscopies without IV sedation so members can drive themselves home or return to work afterwards. This approach removes one of the common barriers for members to complete this service.
  • Hosting health fairs. CHP invites members to attend health fairs where CHP employed physicians and nurses perform blood draws and blood pressure checks and enter the information into the EHR.
Results

Capital Health Plan exceeded the CMS 4-Star cut point for nine HEDIS measures included in the CMS Star Ratings in MY 2024.

“As a primary care provider, I rely on HEDIS measures to help me deliver consistent, evidence-based care for patients living with chronic conditions. For these patients, preventive care is not separate from treatment; it is an essential part of managing conditions like diabetes, hypertension, and COPD. By focusing on prevention through HEDIS, I can help patients stay more stable, avoid unnecessary hospitalizations and improve their long-term health and quality of life.”

Dr. Cielo Rose, Physician Manager at the Nancy Van Vessem Center for Healthy Aging, Capital Health Plan

“During last year’s annual enrollment our plan nearly doubled in size, and that’s been a huge eye-opener for us because we are bringing on new members with limited information about their health history. That’s where our laser-focused quality programs are helping us to quickly assess the population and get the care they need.”

Vice President, Quality and Clinical Integration
at a Medicare Advantage Plan
IMPLICATIONS

How these findings relate to the broader healthcare industry and what to do next.

These findings point to specific actions for plans and policymakers who want to close performance gaps, reduce financial risk and improve outcomes.

FOR MEDICARE ADVANTAGE PLANS
Accreditation and Star Ratings work together
Plans that pursue Accreditation are building the exact infrastructure that drives Star Ratings results. These investments compound and do not compete.
Focus on clinical quality as the primary driver of Star Ratings performance
Strong execution on HEDIS measures is a consistent and controllable lever for improving overall performance.
Prioritize performance at critical thresholds
Small improvements near CMS thresholds (cut points) can meaningfully influence Star Ratings outcomes, making targeted interventions particularly impactful.
Invest in repeatable quality improvement capabilities
Plans that embed structured processes for identifying care gaps, engaging providers and tracking performance are better positioned to sustain results over time.
FOR POLICYMAKERS & CMS STAKEHOLDERS
Accreditation aligns with value-based care priorities
Accreditation reinforces performance on measures directly tied to outcomes, supporting broader efforts to improve quality and accountability.
Performance gaps have real public health consequences
The difference between Accredited and non-Accredited plans translates into hundreds of thousands of missed screenings and thousands of preventable deaths per year.
Standardization of quality improvement practices promotes consistency
Accreditation provides a consistent framework, helping reduce variability in how plans approach quality improvement.
Independent validation strengthens plan oversight
Accreditation provides an evidence-based signal of a plan's ability to execute on quality measures over time.