2027 Star Ratings: the national number held at 71%. Your state's did not.

2027 Star Ratings by state: Georgia fell from 79% of members in 4-star plans to 49%. Illinois rose from 49% to 82%.

Nationally the number held at 71%. But stars are set contract by contract, and members live in states, so the national average hides where the bonus actually went. 19 states fell by 2 points or more. 28 rose.

In Georgia, UnitedHealthcare went from 100% of its members in 4-star plans to 30%, and Aetna from 94% to 31%. In Illinois, Humana went from 20% to 100%, and Aetna from 68% to 96%. In Tennessee, BCBS of Tennessee and HCSC both fell to 0%, while Humana went to 100%. Rhode Island fell from 95% to 35%. Montana rose from 20% to 93%.

If you sell, compete or advise in one of these states, your 2028 market just changed. A plan over the line gets bonus dollars to spend on lower premiums and richer extras. A plan under it does not.

The national number is the wrong one to watch this year. Look at your state.