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December 17.2025
3 Minutes Read

How Medicare Part C & Part D Proposed Rules Will Affect Seniors

Justice in Aging advocacy banner for senior legal aid.

Understanding the Upcoming Medicare Changes

The Centers for Medicare & Medicaid Services (CMS) has published a proposed rule outlining several critical updates to Medicare Advantage (Part C) and Prescription Drug Plans (Part D). As these changes aim to improve the delivery and management of healthcare for seniors, it's essential for beneficiaries, caregivers, and advocates to understand the implications and how to participate in the commenting process.

Why Your Voice Matters: Commenting on the Proposed Rule

CMS has stipulated a deadline of January 26, 2026, for public comments on these proposed changes, and stakeholders are encouraged to be involved. The feedback from seniors, healthcare organizations, and advocates helps create a robust record that reflects the community's needs and concerns. Providing personal stories or examples related to the proposed changes can significantly enhance the impact of your comments.

Key Highlights of the Proposed Changes

The proposed rule notably incorporates adjustments related to the recent Inflation Reduction Act (IRA) of 2022. Among the most important adjustments are the changes to the Star Ratings system which evaluate the quality of healthcare plans.

Changes to the Star Ratings System

One of the major shifts includes an emphasis on clinical care and patient experience, where CMS proposes to remove several operational measures that are not reflective of true patient outcomes. For instance, the plan to eliminate measures related to customer service aims to streamline the rating process, although it might inadvertently obscure the performance of healthcare providers from beneficiaries who rely on these ratings for decision-making.

Marketing and Communications Overhaul

CMS plans to rescind several regulations established during the Biden administration that were designed to protect beneficiaries from misleading marketing practices. By loosening requirements on Third-Party Marketing Organizations (TPMOs), there is concern about the potential for beneficiary confusion. It's crucial for seniors to be vigilant and informed on how changes in marketing regulations might affect their understanding of Medicare plans.

Special Needs Plans (SNPs) under Review

The growth of Chronic Condition Special Needs Plans (C-SNPs) and Institutional Special Needs Plans (I-SNPs) has prompted CMS to seek feedback on how these plans operate. The agency highlights the importance of integrating Medicaid services with Medicare for dual-eligible individuals. This is a pivotal point, as many seniors are simultaneously navigating benefits from both programs.

Insights on Future Implications

CMS is also soliciting comments on various topics, including modifications to risk adjustment models and approaches to support well-being and nutritional health. The objective is to generate innovative ideas that can improve care while considering sustainability for the health plan’s financial model.

Next Steps: How to Comment Effectively

Stakeholders are encouraged to utilize the templates provided by Justice in Aging to draft their comments. The templates offer guidance on essential points to address and encourage personalization to reflect individual experiences. Your unique viewpoint can help ensure that policymakers take the community's needs seriously when finalizing the rule.

Engagement and Action Are Crucial

As changes unfold within Medicare, seniors and advocates must actively engage in this process. By submitting comments before the deadline, stakeholders can have a significant influence on the shape and accessibility of future healthcare options.

If you’re concerned about how these changes will impact you or someone you care for, now is the time to make your voice heard. Access the template comments [here] and make a meaningful contribution to the future of Medicare.

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