The sharp decline in Humana's Medicare Advantage Star Ratings from 94% to 25% for plans rated four stars and above is a significant issue. This drop is primarily due to contract H5216, which affects a large portion of Humana's membership. The lower ratings will impact quality bonus payments in 2026, leading to potential revenue loss. Humana is appealing the ratings and working on improvements, but the immediate impact is negative, as reflected in the 20.10% drop in stock price.