Growing Bucket of MA-Enrolled Veterans Poses Star Ratings, Risk Score Conundrums

  • Apr 03, 2025

    Medicare Advantage insurers are increasingly targeting their tailored, or “affinity,” plans toward veterans, hoping to attract this subgroup of veterans with benefits that wrap around their Veterans Administration (VA) care. Emerging research questions whether such plans are nothing more than profit-generating enrollment boosters, but industry experts say they present opportunities to improve care coordination for a vulnerable population. Those efforts are complicated, however, by gaps in enrollees’ medical records that also pose challenges when it comes to Star Ratings and risk adjustment, sources tell AIS Health, a division of MMIT. 

    While major MA plan sponsors like Humana Inc. and UnitedHealth Group dominate the veteran plan landscape, other smaller insurers have followed suit to differentiate themselves from their competitors while serving a potentially untapped market. Similar to other “flavors of plans” — like SCAN Health Plan’s Affirm plan for older LGBTQ+ adults or offerings catering to the Asian American and Pacific Islander population — these are the “veteran-flavored plans,” says Jenn Kerfoot, chief strategy and growth officer with DUOS and a former Navy hospital corpsman.

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  • Lauren Flynn Kelly

    Lauren has been covering health business issues since the early 2000s and specializes in in-depth reporting on Medicare Advantage, managed Medicaid and Medicare Part D. She also possesses a deep understanding of the complex world of pharmacy benefit management, having written AIS Health’s Radar on Drug Benefits from 2004 to 2005 and again from 2011 to 2016. In addition to her role as managing editor of Radar on Medicare Advantage, she oversees AIS Health’s publications and manages the health editorial staff. She graduated from Vassar College with a B.A. in English.

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