Check Your Insurance Company's Public Ratings
CMS Star Ratings, state complaint data, sanctions, and financial-strength sources for Medicare insurers — organized in one place, explained without a grade from us.
We do not rate or rank insurance companies. We point you to the sources that do — so you can evaluate them yourself.
Not listed — use the sources below to search directly.
How to use this tool
- Type your insurer's name above to confirm it is a major Medicare carrier.
- Use the CMS Star Ratings link to find your specific plan's rating.
- Check the NAIC complaint ratio for your state — compare to the national median.
- Look up the AM Best financial-strength rating if long-term stability matters to you.
- Check your state insurance department for any local enforcement actions.
Public rating sources
CMS Star Ratings
Centers for Medicare & Medicaid ServicesAnnual 1–5 star ratings for Medicare Advantage and Part D plans. Updated each October.
Select "Medicare Advantage" or "Part D" and filter by your ZIP code.
Search plans on Medicare.gov →CMS Enforcement Actions & Sanctions
Centers for Medicare & Medicaid ServicesCivil money penalties, intermediate sanctions, and enrollment freezes imposed on Medicare plans.
Sanctions are relatively rare but significant when present.
View CMS enforcement actions →NAIC Consumer Insurance Search
National Association of Insurance CommissionersState complaint ratios and market conduct data for insurance companies operating in your state.
A complaint ratio above 1.0 means more complaints than the national median.
Search NAIC complaint data →AM Best Financial Strength Ratings
AM BestIndependent financial-strength ratings for insurance companies. "A" or better is generally considered strong.
Free basic lookups available. Full reports require registration.
Look up AM Best rating →Your State Insurance Department
State Insurance Departments (NAIC directory)State-specific complaint data, license verification, and market conduct reports.
State departments often have complaint data not captured in national databases.
Find your state insurance department →Get a complete picture with Fern
Members can ask Fern to walk through these sources for their specific plan, export a summary PDF, and save it to their Medicare record — so the research is there when you need it at enrollment time.
Learn about membership →The Clearing does not rate, rank, recommend, or endorse any insurance company or plan. All sources listed are public records maintained by government agencies or independent rating organizations. Ratings and complaint data change over time — always verify directly with the source before making coverage decisions. Last reviewed: July 2026.