year 7 homework planner

Never forget a class or assignment again.

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School planner and organizer

The MyStudyLife planner app supports rotation schedules, as well as traditional weekly schedules. MSL allows you to enter your school subjects, organize your workload, and enter information about your classes – all so you can effortlessly keep on track of your school calendar.

Homework planner and task tracker

Become a master of task management by tracking every single task with our online planner – no matter how big or small.

Stay on top of your workload by receiving notifications of upcoming classes, assignments or exams, as well as incomplete tasks, on all your devices.

“Featuring a clean interface, MyStudyLife offers a comprehensive palette of schedules, timetables and personalized notifications that sync across multiple devices.”

” My Study Life is a calendar app designed specifically for students. As well as showing you your weekly timetable– with support for rotations – you can add exams, essay deadlines and reminders, and keep a list of all the tasks you need to complete. It also works on the web, so you can log in and check your schedule from any device.”

“MyStudyLife is a great study planner app that makes it simple for students to add assignments, classes, and tests to a standard weekly schedule.”

“I cannot recommend this platform enough. My Study Life is the perfect online planner to keep track of your classes and assignments. I like to use both the website and the mobile app so I can use it on my phone and computer! I do not go a single day without using this platform–go check it out!!”

“Staying organized is a critical part of being a disciplined student, and the MyStudyLife app is an excellent organizer.”

The ultimate study app

The MyStudyLife student planner helps you keep track of all your classes, tasks, assignments and exams – anywhere, on any device.

Whether you’re in middle school, high school or college MyStudyLife’s online school agenda will organize your school life for you for less stress, more productivity, and ultimately, better grades.  

Take control of your day with MyStudyLife

Stay on top of your studies. Organize tasks, set reminders, and get better grades, one day at a time.

We get it- student life can be busy. Start each day with the confidence that nothing important will be forgotten, so that you can stay focused and get more done.

Track your class schedule on your phone or computer, online or offline, so that you always know where you’re meant to be.

Shift your focus back to your goals, knowing that MyStudyLife has your back with timely reminders that make success the main event of your day

Say goodbye to last minute stress with MyStudyLife’s homework planner to make procrastination a thing of the past.

Coming soon!

MyStudyLife has lots of exciting changes and features in the works. Stay tuned!

Stay on track on all of your devices.

All your tasks are automatically synced across all your devices, instantly.

Trusted by millions of students around the world.

School can be hard. MyStudyLife makes it easier.

Our easy-to-use online study planner app is available on the App Store, the Google Play Store and can be used on desktop. This means that you can use MyStudyLife anywhere and on any device.

Discover more on the MyStudyLife blog

See how MyStudyLife can help organize your life.

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How to Plan a Homework Schedule

Last Updated: February 2, 2024 Approved

This article was co-authored by Ronitte Libedinsky, MS . Ronitte Libedinsky is an Academic Tutor and the Founder of Brighter Minds SF, a San Francisco, California based company that provides one-on-one and small group tutoring. Specializing in tutoring mathematics (pre-algebra, algebra I/II, geometry, pre-calculus, calculus) and science (chemistry, biology), Ronitte has over 10 years of experience tutoring to middle school, high school, and college students. She also tutors in SSAT, Terra Nova, HSPT, SAT, and ACT test prep. Ronitte holds a BS in Chemistry from the University of California, Berkeley, and an MS in Chemistry from Tel Aviv University. There are 7 references cited in this article, which can be found at the bottom of the page. wikiHow marks an article as reader-approved once it receives enough positive feedback. In this case, 89% of readers who voted found the article helpful, earning it our reader-approved status. This article has been viewed 476,643 times.

It feels like homework never stops getting piled on, and keeping track of it all can feel a little chaotic. That’s where a homework schedule comes in. With a good schedule, you won’t have to worry about missing homework assignments or not having enough time to finish them, and it’s surprisingly easy to put one together. Not sure where to start? Don’t worry—we’ll walk you through what to do step-by-step below!

Setting Up a Homework Schedule

Creating a Homework Space

Understanding What Needs To Get Done

• The subject or course in which the work is assigned (for example, Spanish , algebra , French or English )
• Know what you're expected to hand in or do and ask if you do not understand (for example, turn in an essay , develop a PowerPoint presentation, or take a test.)
• The details of your assignments (for example, double-spaced or single-spaced, blue ink or black).
• Page numbers (which pages you need to read, study, or refer to complete your assignment.)
• Due date of the assignment.

Getting All of Your Homework Done

• To solve this problem, if you cannot meet all the deadlines, use a static priority rate-monotonic policy. Find the course that releases new homework the most frequently, and list it the highest (do the work first), and so forth. This is mathematically optimal among all static-priority scheduling policies. In other words, if ANY static priority scheme can meet all the deadlines, the rate-monotonic static priority scheme will meet all the deadlines, too. When the static priority scheme misses deadlines, it is deterministic - the lowest priority class assignments will be skipped, so it behaves predictably when you are overloaded. If certain assignments have the same due date, then start with the one(s) that are hardest or will take the longest.

• If you have a five-page English paper due on Friday, evenly spread the total amount of hours you believe it is going to take to complete the paper between each day.

Homework Planner Template

Expert Q&A

• Avoid distractions such as TV, video games, phone conversation, or surfing the internet. You must fully devote your schedule to doing this. That means turning off all electronics except your lamp , clock , and room light, and, if needed, your computer. You may even want to turn off your phone. Thanks Helpful 0 Not Helpful 0

Tips from our Readers

• Try writing reminders on sticky-notes about your assignment due dates or important information you really need to remember. Put these sticky notes in a place you regularly go to in your house (such as your homework area, bedroom, or closet), so that you'll see them and be reminded.
• If you're having a really hard time concentrating, take a short break (even if it isn't your schedule break time). Even taking a walk outside for ten minutes or grabbing a quick snack from the kitchen can help you reset.
• If music with lyrics distracts you, don't try to listen to it while you do homework. Consider playing white noise or instrumental music instead to help you focus.

You Might Also Like

• ↑ https://www.wssd.k12.pa.us/SettingUpaHomeworkSchedule.aspx
• ↑ https://childmind.org/article/strategies-to-make-homework-go-more-smoothly/
• ↑ https://kidshealth.org/en/teens/homework.html
• ↑ Ronitte Libedinsky, MS. Academic Tutor. Expert Interview. 26 May 2020.
• ↑ https://www.understood.org/en/school-learning/learning-at-home/homework-study-skills/homework-strategies
• ↑ https://www.lifehack.org/articles/featured/6-proven-ways-to-make-new-habits-stick.html
• ↑ https://www.psychologytoday.com/us/blog/happiness-in-world/201203/how-prevent-procrastination

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Seven day homework planner.

This is a weekly homework planner for keeping track of what is being done on a day-to-day basis. In includes sections for seven days, plus one more section to record upcoming assignments.

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Free Printable Student Homework Planner Template

Help students keep track of homework assignments with this homework tracker .

Use this free printable student homework planner template to track homework this school year or to help your kids or students track their homework. These would work great to help middle school, high school, or even upper elementary kids track their homework assignments and stay on track for the school year.

Click the following links to print the free printable student homework planner template

• Free Printable Student Homework Tracker Template

For best results, download the image to your computer before printing. I find it easiest to first click on the image to enlarge it, then drag and drop the image to my desktop, then print it from there.

Printables from Paper Trail Design are for personal use only.

More Printables from Paper Trail Design

This school year at a glance calendar might be a good idea for students to keep in their binder.

Looking for a weekly list that includes the weekend? These weekly to do lists fit the bill.

Here’s a verticle weekly planner page that might work well for students.

Visit Brittany @ Paper Trail Design’s profile on Pinterest.

I often get asked what paper I recommend. For regular copy paper this 5 ream case of paper is one of the better deals. For cardstock I really like this card stock paper on amazon . It is much cheaper than I have found in stores and has a good thickness for most projects without being so thick that it jams the printer.

This page may contain affiliate links and when you click them you support Paper Trail Design. Thank you!

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Top 7 Homework Planner Apps for Students

Whether you are attending classes, completing your assignments, studying for a quiz, project work, extra-curricular activities, or squeezing some time for friends and family. You’d agree that organizing and planning goes a long way. That’s why a homework organizer or a homework planner app can be a lifesaver to keep track of all your assignments, tests, submission deadlines, and exams. I did the research and shortlisted the perfect homework planner apps for Android and iOS. Let’s check those out.

Read:  Best Notes App for Windows to Increase Productivity

Homework Planner Apps for Students

1. student planner- homework agenda & notes.

The first app on the list is a simple homework and notes management app. It keeps track of homework, assignments, projects, and to-do lists. The layout is minimal, all the tasks are neatly organized with a colored bookmark for easy identification. You can mark a task complete and remove it from the pending list.

Courses can be added easily and color-coded as well. The calendar shows any upcoming deadlines so you can prioritize accordingly. The tasks have a progress bar that you can adjust as you make progress which enables you to get a quick summary without actually opening every task.

You can also break your assignments in small chunks as subtasks that would make finishing a task much easier and the progress bar will fill automatically. It also allows you to attach media files to your assignments or projects for easy access to the important information in one place.

• Progress bar
• Deadline Reminders
• Calendar View
• No option to sync data to the cloud

Student Planner is a great app for all the students, it has all the necessary features like Deadline reminders, subtasks, progress bar, color-coded tasks, and courses. It can significantly increase your productivity when used regularly. You can get this app for free in the Play Store.

Install Student Planner- Homework Agenda ( Android )

2. Student Planner

Student Planner is another fast and simple homework management app which is wrapped by a beautiful and intuitive material designed UI. What Student Planner adds to the table is the inclusion of a schedule or time table which you can use to either store your class schedule or it might even be a study schedule for your exams.

You first start by adding your subject and the schedule then you can add an assignment or set a reminder. The due assignments are arranged as separate cards and can be swiped away once done with.

•  Simple and easy to get started with
•  Fast and small in size
•  Beautiful Minimal UI
•  Option for Schedule
• No sync/backup
• Timetable implementation not perfect

I would recommend this app to anyone who is looking for a simple homework management app with timetable support and a minimal UI.

Install Student Planner ( Android )

Egenda is simple. Open the app, add all the classes or subjects to the app, and once that is set up, you have the option of adding a new Homework, Quiz, Project, or Test and choose the respective subject deadlines. The app also arranges the due work in cards that can be swiped away when done. But what I love the most about this app is that the fact it allows you to go subject-wise and view all your upcoming tests, projects, or pending assignments which is a huge convenience for planning your schedule ahead of time instead of the previous day.

Unfortunately, the app doesn’t have a timetable option, but in its latest update, it added a  Calendar View  where you can see your whole month at a glance with your assignments, tests, and projects.

•  Subject-wise sorting
•  Calendar View
• No timetable support

Egenda provides some great tools for Homework and Test planning and I am sure anyone would find them extremely convenient and useful. But keeping its single con in mind, go for this app if you are not too keen on having a schedule or timetable.

Install  Egenda  ( Android  |  iOS )

4. ChalkBoard

The next app on our list is ChalkBoard, which I found out to be a pretty smart homework planner app. Chalkboard strikes a perfect balance between simplicity and features.

Although the setup process is a little longer than the previous three apps, as you have to feed meticulous details about the classes, teacher, and schedule. It is worth the effort.

On the home screen, you are shown upcoming classes, events tab, and upcoming tests. ChalkBoard fetches the dates for every subject from the Timetable for your future classes. Little features like these make the app stand out from the rest and give an overall great experience. You can also view classes and assignments subject wise.

• Proper Timetable
• Ability to add teachers for subjects
• View tomorrow’s classes as well as assignments/tests/quizzes
• Smart features
• Little longer to set up
• No calendar view

If you are looking for a homework planner as well as a school planner, Chalkboard is the app as it strikes a great ground with almost all the features one might need while not being too bulky.

Install ChalkBoard ( Android )

5. School Planner

School Planner is a full-fledged planning application designed for students to manage their career as a student. Along with your homework and timetables, School Planner offers you to keep track of your grades and attendance, add contacts for teachers, add recorded lectures, and even multiple planners.

The app supports backing up of all your data via Google Drive, Calendar View along with a weekly report, attaching snapshots to your assignment reminders, student accounts from ClassViva, and a lot more. In spite of so many features, the app doesn’t feel slow at all and delivers a powerful performance with its beautiful design.

• Full-fledged student companion
• Feature-packed and free
• Supports sync and backup
• Widget Support
• Tedious setup procedure
• Big in size
• Complex, not so smooth learning curve

While it is not for someone who is looking for a fast and easy way into homework management, School Planner is a great student companion app and serious students will surely get the most out of hit.

Install School Planner ( Android )

6. My Study Life

My Study Life comes with its own web app and syncs with the Android app, essentially making your data accessible from any device as long as it has a browser.

It implements a goal-centric circular tracker that shows your progress. The Calendar view combines your timetable, deadlines, and shows all your classes and assignments, projects in a single place.

• Refreshingly new UI
• Access from anywhere through its web app
• Sync and Backup
• Lengthy setup process

If you study from your computer or laptop, My Study Life makes it easy to access your homework planner on your phone from your computer, while not compromising on features and being completely free. What more can you ask for?

Install My Study Life ( Android  |  iOS )

7. iStudiez Pro

Like School Planner, iStudiez Pro includes grading and subject wise organization of tasks. iStudiez Pro takes it further with the integration of Google Calendar that allows you to directly get all your holidays, exam schedule, routine from Google Calendar itself.

It also offers separate apps on all platforms including iOS, Mac, and Windows. All the apps sync seamlessly between themselves, so studying on your computer consulting your planner won’t be an issue.

• Google Calendar Integration
• Cross-Platform
• Cumulative Price

If Google Calendar integration and cross-platform support is a must for you, iStudiez Pro is definitely the app you want.

Install iStudiez Pro ( Android   |  iOS )

So this was our roundup of the best homework planner apps for Android. We genuinely think that there is an app for every need and we hope that you found a Homework Planner that suits your need whether you are a high school student or a college senior. So which one was your favorite or did we forget to add yours? Let us know in the comments below.

Also Read:  Take a Picture of Handwriting And Convert to Text – Android Apps

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Resources you can trust

Homework activities for year 7 – English

Homework activities for year 7  is designed to ensure you have all your homework activities for year 7 English in one place. Including differentiated tasks for reading, writing and SPaG, there’s a task for every week of the school year. Whether you use it as a homework workbook or dip in and out, it's perfect for teachers, home tutors and teaching assistants of year 7 students. The pack is identical to the  Home Learning for year 6 – English  pack on Teachit Primary: it has been specially adapted for year 7 students to consolidate KS2 prior learning.

What's included

• 39 photocopiable tasks, differentiated where appropriate
• mapped to the NC objectives for year 5/6
• answers where relevant
• teacher’s tick list to keep track of work set.

What's inside

Teaching notes (page 4)

Section 1 – student section

Reading resources (pages 5-36)

• Comprehension resources
• Book review resources
• Poetry performance resources
• Different genres resources
• Figurative language resources

Writing resources (pages 37-67)

• Resource – proofreading
• Resource – assessing a piece of writing
• Resource – describing characters
• Resource – describing settings
• Resource – the plot
• Resource – the big write
• Resource – a newspaper report
• Resource – persuasive writing
• Resource – formal or informal?
• Resource – a précis
• Resource – advice for year 6
• Resource – your school report

Spelling, punctuation and grammar resources (pages 68-100)

• Resource – prefixes and suffixes
• Resource – homophones
• Resource – using a dictionary and thesaurus
• Resource – a conversation
• Resource – parenthesis
• Spelling resources
• Resource – passive verbs
• Resource – relative clauses
• Resource – lists
• Resource – modal verbs
• Resource – avoiding ambiguity
• Resource – the perfect tense
• Resource – expanded noun phrases and independent clauses

Section 2 – teacher section

Teacher’s tick list (pages 101-103)

Reading (pages 104-110)

Writing (pages 11-112)

• Proofreading resources

Spelling, punctuation and grammar (pages 113-129)

This sample shows a writing homework resource from the  Homework activities for year 7  pack:

Resource 6 - the big write

In this task, you will: • write a narrative, selecting appropriate grammar and vocabulary to enhance meaning • use a wide range of words and phrases to connect your paragraphs • use dialogue to convey your character and advance the action.

You’ve worked hard to develop ideas for a character, setting and plot for your story. Now you’re going to write it! 

Things to include to really interest your reader:

• varied vocabulary (no ‘said’ or ‘nice’) • a range of connectives and conjunctions • dialogue (speech)  • a mixture of simple, compound and complex sentences • a really catchy title!

All reviews

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FREE MOM HACKS BOOK 🖤 A week of meals, activities & tips planned for you! →

Free Printable Homework Planner

By Becky Mansfield

Aug 17, 2023

This post may contain affiliate links. Please read our disclosure policy .

Between schoolwork, online work, homework, products, submitting work, and more, you might feel like you don’t have enough time in the day to plan and complete it.  To keep track of these things and make them a little more manageable, we wanted to give you this free homework planning sheet.  It will help you and your child stay on top of their work.   

I think the hardest part of the homework is learning how to budget time.  This lesson is hard for students to learn (even adults still struggle in this area!).   It’s important to teach our kids to budget & organize their time.  Time management skills are one of the best things we can teach our children. To help our kids tackle the time-management portion of homework, I give them this Homework Planning Sheet  every week.

On top of that, making a “to-do” list helps kids see what has to be done and allows them to check things off once it’s finished.  This gives them a sense of accomplishment.   

This homework planner offers students the benefit of writing down all their tasks, reviewing what they must do, and budgeting their time to fit it all in.   

It gives them a chance to look at the upcoming week and write down everything that they have to do for the week.  They can see exactly what needs to be done and when they need to do it.    We write in things like practice or appointments on certain days, so they can see where they will have limited time.

This homework planner is an easy way to help our kids with time management and organization.

Why do children fall behind on classwork? 

• Procrastination.   Are they setting aside enough time to complete their work?   Are they doing it before other things each day (before relaxing, sports, etc.)
• Confusion.  Does your child understand the material and what they are asked to do for their homework?  Sometimes children ignore their homework because it is too confusing, and they are embarrassed to ask for help, admitting failure. 

Tips to Remember While Doing School Work at Home: 

• Have a system for completed work.   When our kids finish their work and it has been submitted, we keep it in case the teacher can’t find it later (emails get lost, and I didn’t want our kids to have to repeat the work).   We kept one bin per child. We would paperclip the work from the week together and a piece of paper with the date on it (paperclipped to the top of the pile).  We’d throw it into the bin.  Simple. 
• Use this time to teach your child time-management skills.  Work before play.   It’s a lesson best learned when your child is young. 
• Use our Homework Organization Tip (which has worked for us for several years.)

MORE POSTS YOU MIGHT LIKE: 

Categorized as: House & Home , Kids , YourModernFamily

I’m Becky, a former elementary school teacher turned certified child development therapist and blogger. I work at home with my husband and together we are raising (and partially homeschooling) our four children in the Carolinas. I love diet coke, ice cream, and spending time with my family.

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Homeschool Planner

The best of our Teacher Lesson Planner in an all-new homeschooling format! The ultimate homeschool tool designed to help you and your students reach your academic goals all school year long.

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Homeschool Planners

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Large Asterisk Organizer Caddy

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Staying organized and efficient is crucial for homeschooling success, and the Erin Condren Homeschool Planner is the ideal choice for homeschooling families. With its exceptional features and thoughtful design, this planner empowers you to plan your way and create a personalized homeschooling experience like no other.

Plan Your Unique Homeschool Routine with Weekly, Monthly, and Yearly Planning

The Erin Condren Homeschool Planner offers a comprehensive planning system that covers all your needs. With dedicated weekly, monthly, and yearly planning sections, you can effortlessly map out your homeschooling journey, set goals, and track progress. Take control of your schedule and curriculum, ensuring a well-structured and successful homeschooling experience.

Customize Your Homeschool Schedule with an Undated 12-Month Calendar

Flexibility is key in homeschooling, and our Homeschool Planner understands that. It features an undated 12-month calendar , allowing you to start your homeschooling year whenever you choose. Say goodbye to wasted pages and make the planner adapt to your unique schedule. Seamlessly transition from one year to the next without skipping a beat.

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Hand-coiled in the USA with thick, premium paper that resists ink bleeding, our Homeschool Planner ensures a smooth and enjoyable writing experience. The sturdy spiral binding keeps your pages securely intact and is perfect for our collection of snap-in accessories . The personalizable covers are as durable as they are beautiful and protect your planner from wear and tear. Rest assured, this planner is built to withstand the rigors of daily use.

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The Erin Condren Homeschool Planner comes packed with valuable extras to support your homeschooling journey. From checklists for materials and resources to note pages for jotting down ideas and inspirations, this planner has it all. Plus, an assortment of stickers allows you to personalize your planner and make it uniquely yours.

Enhance Your Homeschool Planner with Matching School Supplies

Complete your homeschooling experience with a touch of style and coordination by pairing your Homeschool Planner with our range of matching school supplies . Upgrade your writing experience with custom spiral notebooks , colorful pens and markers , use sticky notes and tidy up your study area and workspace with desk organizers and wall organizers . Take your homeschooling on the go with our stylish tote bags and backpacks designed to carry your planner, books, and supplies.

More Planners You May Also Like

In addition to our Homeschool Planner, you may also want to explore our other best-selling planners, including:

• Teacher Lesson Planner : Teacher-preferred companion to school’s digital tools

• Academic Planner : Homework planner, exam tracker, and notebook in one

• LifePlanner : Best EVERYTHING planner, checklist, and journal

• Monthly Planner : Top calendar + notebook for light planning and special projects

• Family Organizer Book : Custom family tool to control the chaos

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Free Printable: Homework Planner

Let’s teach our kids how to budget their time with planners. Have them list down the things that need to be accomplished and break down tasks into smaller and manageable units! For our free printables this week, I’ve created two sets of homework planners for our school kids!

Here’s the sample layout of the first set:

Follow this link to download the PDF version:  FREE PRINTABLE HOMEWORK PLANNER 1

And for the second set of our fr ee printable homework planners , I’ve allotted a bigger space for the kids to write on their tasks. There’s also another row where remarks can be written!

Follow this link to download the PDF version: FREE RINTABLE HOMEWORK PLANNER 2 

Here’s the sample layout of the second set:

I think that with planners like these,  kids can get more organized as they can already write down their assignment and when it is due once received in an already organized space.

PS: Your printable August 2014 calendars are now available. Click  HERE  to view the freshly designed calendars!

I hope your kids can use these planners. Have a great week ahead! =)

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Teach Your Kids Organizational Skills With a Fun Planner

Here's how this handy tool helped one mom show her daughter how to plan (and celebrate) each day..

As adults, it feels like we are always looking for ways to get organized, focus on gratitude , and create more order in our busy lives (especially around January 1!). But how do we help translate those important skills to our kids? With a busy 7-year-old daughter, this topic has certainly been on my mind.

In a typical week, my daughter’s schedule is packed with soccer practice and at least one game, nightly homework, and a handful of fun in-school and after-school activities. Given her age, she’s ready to start learning about responsibility and taking ownership over small tasks, like making sure her homework is done and her soccer uniform makes it to the laundry room. At the same time, I want to introduce these concepts in a way that’s kid-friendly and makes her excited about her new routines.

Enter the Klutz: Best. Year. Ever planner: a customizable yearly planner and gratitude journal that’s full of fun activities for kids. It comes with blank monthly and weekly calendar pages, journal and game pages, 270 stickers, a cute emoji pen, and over 100 sticky notes with prompts to get kids inspired, like “Today’s act of kindness: _____” and “Smiling because: ____.”

At 7, my daughter isn’t fully ready to run her own show, but the planner has inspired her to take small steps towards being organized and managing her own schedule. She jots down which days she visits the library at school so she can remember to return her books, and she writes down what times her soccer games are and birthday reminders for family and friends. She even asked for an alarm clock so she can start waking herself up for her scheduled games on Saturdays.

The planner makes organization seem fun and positive, and she’s already asked me if she can get another one once she’s used this one up completely. 

Another great thing about this planner is that it doesn’t come with any of the dates or months preset. The year begins whenever kids get their planner, and they can use the included stickers with the names of each month to set up their calendars. It even includes some fun made-up days, like Banana Phone Call Day. My daughter used this sticker on the first of the month, and we had fun that morning pretending to call each other on bananas while we packed lunch for school.

The pages also include inspirational quotes from big names, like Tina Fey and Oscar Wilde. At the end of the year, kids can wrap it all up by writing a letter to their past selves, and then list some things they want to accomplish as they head into the next year.

This planner is really an exercise in creativity and forward-thinking. It’s a great companion for the new year that will help kids feel positive and excited about each new week. I’m always trying to teach my daughter to get out there and make each day count, and this planner reinforces that message with joy, positivity, and inspiring messages. Organization and responsibility are life skills that can be tough even for adults to master, so as a mom, I’m appreciative of the way this planner has helped in introducing those skills in a fun way.

After all, it isn’t just about keeping track of the days — it’s about making the most of them. 

Get ready for your child to go back to school with our guide — it's full of recommended books, teacher tips, homework help, and more resources for a successful school year. For more book and reading ideas,  sign up for our Scholastic Parents newsletter.

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Fact Sheets 2025 Medicare Advantage and Part D Rate Announcement

• Medicare Part D

Today, the Centers for Medicare & Medicaid Services (CMS) released the Announcement of Calendar Year (CY) 2025 Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies (the Rate Announcement). CMS’s goals for MA and Part D mirror our vision for the agency’s programs as a whole: to advance health equity; drive comprehensive, person-centered care; and promote affordability and the sustainability of the Medicare program.

In the CY 2025 MA and Part D Advance Notice, CMS proposed updates to payment factors for CY 2025 and received a wide variety of comments on our proposals. CMS appreciates the submitted comments and considered applicable comments as we finalized the policies contained in the CY 2025 Rate Announcement. Under this CY 2025 Rate Announcement, payments from the government to MA plans are expected to increase on average by 3.70 percent, or over $16 billion, from 2024 to 2025. The federal government is projected to pay between $500 and $600 billion in Medicare Advantage payments to private health plans in 2025.

This fact sheet discusses the provisions of the Rate Announcement, which can be viewed by going to:  https://www.cms.gov/medicare/payment/medicare-advantage-rates-statistics/announcements-and-documents and selecting “2025 Announcement.”

Net Payment Impact

The chart below indicates the expected impact of the policy changes and updates on MA plan payments relative to 2024. 

Year-to-Year Percentage Change in Payment

1 Rebasing/re-pricing impact is dependent on finalization of the average geographic adjustment index, which was not available with the publication of the CY 2025 Advance Notice.

2 Change in Star Ratings reflects the estimated effect of changes in the Quality Bonus Payments for the upcoming payment year; 2025 Quality Bonus Payments are based on 2024 Stars, which in turn are based on performance for most measures in 2022. Changes may occur between the Advance Notice and Rate Announcement due to the plan appeals process for the QBP ratings.

3  The impact of the update to the Fee-for-Service (FFS) normalization factors for MA risk adjustment is not shown in the fact sheet separately because there is considerable interaction between the impact of the MA risk adjustment model updates and the normalization factor update. Therefore, the combined impact is shown in the fact sheet. 

4  The MA risk score trend is the average increase in MA risk scores, not accounting for normalization and coding pattern adjustments to MA risk scores, which are shown in separate rows. The risk score trend is calculated by using MA risk scores from 2018 – 2020, calculated using the risk adjustment models and model blend as finalized in the CY 2025 Rate Announcement. The trend is an industry average and individual plans’ experience will vary.

Note: An estimate of the expected change in MA payment should include all factors that will impact what the federal government will pay the MA industry the following year, including the impact of certain additional factors that are not changing as a result of CMS policy updates, such as the expected increase in MA risk scores (MA risk score trend) of 3.86% in 2025 as compared to 2024, with an impact of over $17 billion.

Growth Rates

The Effective Growth Rate reflects the current estimates of the growth rates of benchmarks used to determine payment for MA plans. The growth rates are largely driven by the growth in Medicare Fee-For-Service (FFS) per capita costs, as estimated by the CMS Office of the Actuary. The CY 2025 Rate Announcement Medicare FFS baseline includes FFS payments through the fourth quarter of 2023, an additional quarter of FFS program spending as compared to the CY 2025 Advance Notice. The 2025 growth rate estimates include a technical adjustment to the per capita cost calculations related to indirect and direct medical education costs associated with services furnished to MA enrollees. In CY 2025, CMS will continue the phase-in of the technical adjustment described in the CY 2024 Rate Announcement, and apply 52% of the technical adjustment in CY 2025. 

Part C Risk Adjustment

CMS finalized an updated Part C Risk Adjustment Model in the CY 2024 Rate Announcement and began an expected three-year phase-in of the use of that model, referred to as the 2024 CMS-HCC model, starting with CY 2024. The updated model includes important technical updates to improve its predictive accuracy, including restructured condition categories using the International Classification of Diseases (ICD)-10 classification system (instead of the ICD-9 classification system), updated underlying FFS data years (from 2014 diagnoses and 2015 expenditures to 2018 diagnoses and 2019 expenditures), an updated “denominator year” in determining the average per capita predicted expenditures to create relative factors in the model, as well as applying our longstanding principles to make revisions focused on conditions that are subject to more coding variation.

For CY 2025, CMS will continue to phase in the updated risk adjustment model as proposed by blending 67% of the risk score calculated using the updated 2024 MA risk adjustment model with 33% of the risk score calculated using the 2020 MA risk adjustment model. Additionally, CMS will adopt a more sophisticated methodology for how it normalizes risk scores to more accurately address the impacts of the COVID-19 pandemic without excluding data years. The purpose of FFS normalization is to account for trends in the FFS risk scores between the last time the model was recalibrated with new FFS data and the MA payment year.

MA Risk Score Trend

The MA risk score trend is the average increase in MA risk scores across plans, not accounting for normalization and coding pattern adjustments to MA risk scores. It is a key factor in the level of overall MA payments. The trend can be due to several factors, including changes in demographics and coding patterns. The trend is an industry average and individual plans’ experience will vary. We calculate the MA risk score trend for the 2020 and 2024 CMS-HCC risk adjustment models used for CY 2025 payment separately and blend the trends based on the phase-in of the 2024 CMS-HCC risk adjustment model. The risk score trend is 3.30% under the 2024 CMS-HCC model and 5.00% under the 2020 CMS-HCC model. CMS blended the MA risk score trends using the same blend that will be used to determine CY 2025 risk scores (i.e., 67% of the MA risk score trend under the 2024 CMS-HCC model and 33% under the 2020 CMS-HCC model). This blended MA risk score trend for CY 2025 is 3.86%. 

Puerto Rico

The proportion of people with Medicare who receive benefits through MA (as opposed to FFS) is far greater in Puerto Rico than in any other state or territory. The policies finalized for CY 2025 will continue to provide stability for the MA program in the Commonwealth and for Puerto Ricans enrolled in MA plans. These policies include basing the MA county rates in Puerto Rico on the relatively higher costs of individuals in FFS who have both Medicare Parts A and B and applying an adjustment  regarding the propensity of individuals with zero claims. We appreciate the comments on alternate adjustment approaches that may be appropriate in Puerto Rico and share the concerns raised by several commenters about access to health care for U.S. citizens in Puerto Rico. CMS will continue to analyze the issues raised by commenters.

Inflation Reduction Act (IRA) Updates for 2025

The IRA made several amendments and additions to the standard Part D drug benefit for CY 2023 and subsequent years. Part D benefit-related IRA updates will be in place for CY 2025 and are described in the Rate Announcement and related Final CY 2025 Part D Redesign Program Instructions. These updates include the elimination of the coverage gap phase to effect a three-phase benefit (deductible, initial coverage, and catastrophic) and  the cap on out-of-pocket costs at $2,000 for CY 2025. Other previously implemented IRA benefits will continue, including no cost sharing for enrollees in the catastrophic phase, a $35 month supply cap on enrollee cost sharing for each covered insulin product, and no cost-sharing for adult vaccines recommended by the Advisory Committee on Immunization Practices that are covered under Part D. For more details, please see the Fact Sheet for the Final CY 2025 Part D Redesign Program Instructions available at  https://www.cms.gov/files/document/final-cy-2025-part-d-redesign-program-instructions.pdf .

Part D Risk Adjustment 

CMS is finalizing updates to the Part D risk adjustment model to reflect the redesign of the Part D benefit as required by the IRA, including the increase in plan liability given the $2,000 cap on annual out-of-pocket spending for CY 2025 and the new Manufacturer Discount Program. These updates to the Part D risk adjustment model are essential for plan sponsors to develop accurate bids for CY 2025. Other changes finalized for CY 2025 include calibrating the model using newer data years and updating the normalization methodology to reflect differences between Medicare Advantage prescription drug (MA-PD) plan and stand-alone prescription drug plan (PDP) risk score trends that will improve payment accuracy. 

Part C and D Star Ratings

In the Advance Notice, CMS provided information and updates in accordance with the Star Ratings regulations at 42 C.F.R. §§ 422.164, 422.166, 423.184, and 423.186. We appreciate commenters’ suggestions on future measures and concepts as we continue to enhance the Star Ratings over time. 

Star Ratings updates finalized in the CY 2025 Rate Announcement include the list of eligible disasters for adjustment, non-substantive measure specification updates, and the list of measures included in the Part C and D Improvement measures and Categorical Adjustment Index for the 2025 Star Ratings.   

MA Data Request for Information (RFI)

We also want to remind the public to please consider submitting comments to the Medicare Advantage Data RFI we announced in January. Comments are due on May 29, 2024. The MA data RFI can be accessed on the Federal Register’s webpage at  https://www.federalregister.gov/public-inspection/2024-01832/request-for-information-medicare-advantage-data .

Frequently Asked Questions 

Note: please see the detailed  FAQ section in the CY 2025 Advance Notice Fact Sheet for additional FAQs.

1. How will the finalized changes in the 2025 Rate Announcement impact payments to MA plans? 

MA payments from the government to MA plans are expected to increase by 3.70 percent on average from 2024 to 2025. This is an increase of over $16 billion in 2025 compared to 2024 in expected MA payments. This expected increase includes consideration of the various elements that impact MA payment, such as growth rates of underlying costs, 2024 Star Ratings for 2025 quality bonus payments, continued phase-in of risk adjustment model updates that were implemented in CY 2024, and increases to risk scores because of MA risk score trend, which can be driven by a number of factors including MA demographics and coding patterns. This increase represents the average expected payment update across plans, and thus, there will be variation among plans in terms of their plan-specific payment impacts, including plans that would see a larger or smaller impact year over year.

2. What drives the MA payment Growth Rates? 

As required by statute, the growth rates used in the calculation of the MA rates reflect the growth in per capita costs for non-ESRD individuals enrolled in either Medicare Fee-for-Service (FFS) or Medicare health plans. [1] The growth rates are based on the expected change in United States Per Capita Costs in Fee-For-Service (FFS USPCC) and in Medicare overall (both FFS and MA) and, as such, are largely driven by trends in per capita costs for individuals in Medicare FFS. The Effective Growth Rate in the Fact Sheet is a national average of expected change in the per capita costs year over year. The main driver of the Effective Growth Rate is the FFS USPCC, with the Total USPCC used to calculate the Pre-ACA benchmark cap amount for each county. We note that the Effective Growth Rate shown in the chart at the beginning of this Fact Sheet includes 52% of the technical adjustment to the growth rates related to MA medical education costs.

3. Why did the Effective Growth Rate change from the Advance Notice to the Rate Announcement? 

Each year in the Rate Announcement, CMS updates the growth rates to be based on the most current estimate of per capita costs. The growth percentages are based on CMS’ best estimate of historical Medicare FFS program experience and projected trends in Medicare FFS program payments using the most up-to-date data available. We continue to consider it best practice to base the growth rates on the most recent data and assumptions available at the time those values are announced. Therefore, for each release of the growth rates, CMS updates historical experience, as well as projection factors, based on the most recent data. 

Three significant changes were made to the Medicare fee-for-service (FFS) baseline projections between the CY 2025 Advance Notice and the CY 2025 Rate Announcement. First, the tabulation of Medicare FFS services provided through the third quarter of 2023 was updated to include program payments during the fourth quarter of 2023.  Also, the FFS enrollment base used to calculate 2023 per capita costs was updated for the CY 2025 Rate Announcement and resulted in greater Part A enrollment. Additionally, the medical education adjustment has changed from 67% in the Advance Notice to 52% in the Rate Announcement.

4. Did CMS use more updated data to calculate the growth rate in the CY 2025 Rate Announcement, including data from quarter 4 of 2023?

Yes, the CY 2025 Rate Announcement Medicare baseline used to calculate the growth rates includes an additional quarter of Fee-for-Service (FFS) program payments in the fourth quarter of 2023. 

5. Did the CMS data show increased utilization in quarter 4 of 2023 in Medicare Fee-for-Service? 

Actual program payments during the fourth quarter of 2023 for FFS services provided during the fourth quarter of 2023 did not show higher utilization than what was expected based on prior year seasonal trends.

6. How is the technical adjustment being phased in related to medical education costs? What impact does it have on the effective growth rate?

CMS finalized a technical adjustment to the growth rates related to medical education costs in the CY 2024 Rate Announcement and began phasing in the adjustment starting with CY 2024 at 33%. For CY 2025, CMS is finalizing a continued phase-in to increase the phase-in percentage from 33% in CY 2024 to 52% in CY 2025. If CMS maintained the same phase-in as in CY2024, the effective growth rate from CY 2024 to CY 2025 would have been 2.80%. 

Historically, prior to the CY 2024 MA rates, the tabulation of per capita costs for FFS individuals had included indirect medical education and graduate medical education costs paid by CMS to inpatient facilities associated with services furnished to MA enrollees because CMS had not been able to separately identify these MA-related payments from those made for services furnished to FFS individuals. The baseline modeling supporting the growth rate calculations was updated to enable us to identify the historical and projected costs of medical education paid by CMS for MA admissions. As noted in the CY 2024 Rate Announcement, we initiated a phased-in approach beginning with the CY 2024 rates to remove these medical education costs related to services received by MA enrollees from the historical and projected expenditures supporting the FFS costs that are included in the growth rate calculations. 

7. Why is the information in the bottom line table different than the information in the Economic Information section toward the end of the Rate Announcement? What does the bottom line equate to in terms of dollars? 

The Economic Information section in the Rate Announcement, like that in the Advance Notice, estimates the impact of the updates and policy changes on the Hospital Insurance and Supplemental Medical Insurance Trust Funds that are used to pay for Medicare FFS benefits. This section includes only significant updates and policy provisions, such as the impact of the growth rates and the finalized risk adjustment model. The Net Payment Impact table (also referred to as the bottom line table) in the Fact Sheet is intended to show the expected average impact of updates and policy changes as well as all other factors impacting MA payment year over year.  As a result, the table includes the estimated average impacts on revenue of variables not in the Economic Information section, such as the impact of Star Ratings and the impact of the MA risk score trend on plan payment. The 3.70% expected increase in CY 2025 payments to MA plans, compared to CY 2024, in the bottom line table, equates to an expected increase in MA plan payments of over $16 billion in CY 2025 compared to CY 2024 . To omit, for example, the MA risk score trend from the estimate for 2025 would mean an underestimation of federal payments to the MA industry of over $17 billion in 2025 alone.

8. Why is the MA risk score trend so important to understanding year-over-year impacts?

The intent of the bottom line table in the Fact Sheet is to give the public a measure of the all-in impacts of the key policies and factors affecting MA payment for the following year. While not a policy proposal, the MA risk score trend is included in the bottom line table since it is a key factor in the level of overall MA payments. The MA risk score trend accounts for the average annual increase in MA risk scores and is driven by MA demographics and diagnosis coding patterns. It represents the estimate, based on historical data, for how MA risk scores will increase for the next year, which results in higher payments to plans. It is calculated using the risk adjustment model(s) for the payment year and is an important piece of information. Since CMS is finalizing a continued phase-in of the 2024 model, the 3.86% estimated MA risk score trend included in the 2025 Rate Announcement Fact Sheet is calculated using a blend of 33% of the MA risk score trend calculated with the 2020 model (5.0% MA risk score trend) and 67% of the MA risk score trend calculated with the 2024 model (3.3% MA risk score trend). Like all aspects of the bottom line table, the MA risk score trend is an industry-wide average, and thus, individual MA plans may have a different experience. Historically, the risk score trend has steadily increased over time, even in years when CMS implemented updated risk adjustment models. The MA risk score trend is an average estimate of growth, and we have found it to be a reasonable measure of risk score growth. 

9. What MA normalization methodology is CMS using for the final MA normalization factors? 

For CY 2025, CMS again examined the inclusion of data years impacted by the COVID-19 pandemic, and given our findings, as discussed in the CY 2025 Advance Notice, we also assessed using a methodology that we believe more reasonably accounts for the FFS average risk score trend since the beginning of the COVID-19 pandemic. Because excluding data years under the existing linear slope methodology does not produce reasonable projections for CY 2025, CMS proposed and is finalizing a more sophisticated multiple linear regression methodology for calculating normalization factors for CMS-HCC models for CY 2025. This new methodology will allow CMS to incorporate the most recent average FFS risk scores in the calculation without excluding any years of FFS risk scores while making more reasonable projections of what the actual average FFS risk score will be in the payment year. 

In CY 2025, for both MA and PACE End-Stage Renal Disease (ESRD) and Non-ESRD risk adjustment models, CMS will use a multiple linear regression methodology that incorporates historical FFS risk scores from the most current five years of average FFS risk scores available (2019-2023) and includes a flag that identifies whether a risk score is based on dates of service before 2020 or dates of service starting in 2020, the year of the onset of the COVID-19 pandemic, to calculate the normalization factors. This methodology allows us to represent the historical FFS risk score trend more accurately and calculate a factor without excluding the years impacted by the COVID-19 pandemic. We believe this approach will respond to previous feedback about concerns with excluding years and lead to a reasonably accurate prediction of the FFS risk score in 2025.

Like CY 2024, the impact of the update on the normalization factor is not shown in the fact sheet separately because there is considerable interaction between the impact of the MA risk model updates and the normalization factor update. Therefore, the fact sheet displays the combined impact. 

P lease see the detailed  FAQ section in the CY 2025 Advance Notice Fact Sheet for additional information on normalization.

10. How will the finalized changes impact individuals’ MA premiums and benefits in 2025?

Under the policies finalized in the CY 2025 Rate Announcement, CMS anticipates adequate payment to MA and Part D plans to ensure stable premiums and benefits and plan options for individuals for CY 2025. For CY 2024, the first year of the updated risk adjustment model implementation, average premiums and benefits for MA remained stable and plan choice and average supplemental benefit offerings across plans increased. 

11. What updates to the Part D Benefit are included in the CY 2025 Rate Announcement? 

 In the CY 2025 Rate Announcement, CMS provides information on the Part D benefit parameters that are to be updated or eliminated as a result of amendments to the Social Security Act made by the IRA. CMS also finalized updates to the Medicare Part D (RxHCC) risk adjustment model used to calculate direct subsidy payments for Part D benefits offered by stand-alone PDPs and MA-PD plans. The updated model reflects the CY 2025 Part D benefit changes under the IRA, including the increase in plan liability given the $2,000 cap on annual beneficiary out-of-pocket spending and the new Manufacturer Discount Program. These Part D risk adjustment model updates are essential for plan sponsors in developing accurate bids for 2025.

Additional Part D benefit-related updates under the IRA that will be in place for CY 2025 are described in the CY 2025 Rate Announcement and related Final CY 2025 Part D Redesign Program Instructions. These include the elimination of the coverage gap phase, which results in a new three-phase benefit (deductible, initial coverage, and catastrophic), and the lowering of the annual out-of-pocket threshold to $2,000. As was the case in CY 2024, there will be no cost sharing for enrollees in the catastrophic phase, enrollee cost sharing for covered insulin products will be limited, and there will be no enrollee cost sharing for adult vaccines recommended by the Advisory Committee on Immunization Practices and covered under Part D. For more information on these items, see the CY 2025 Rate Announcement, and the related Final CY 2025 Part D Redesign Program Instructions.

12. Has CMS updated the Part D risk adjustment model to reflect the redesign of the Part D benefit? 

Yes, the CY 2025 Rate Announcement includes an update to the Part D risk adjustment model that reflects the 2025 Part D benefit design as required by the IRA. This update reflects changes such as the lowering of the annual out-of-pocket threshold, limits on beneficiary cost sharing for covered insulin products and elimination of beneficiary cost sharing for certain recommended adult vaccines covered under Part D, the elimination of the coverage gap phase, changes to beneficiary cost sharing and Medicare reinsurance obligations in the catastrophic phase, the sunsetting of the Coverage Gap Discount Program, and establishing the new Manufacturer Discount Program.

The finalized Part D risk adjustment model reflects the expected increase in plan liability associated with the IRA and other changes to the Part D standard benefit. CMS measures how well the Part D risk adjustment model predicts costs by assessing how well it predicts costs across levels of risk, meaning that we look across subgroups of beneficiaries by their level of predicted risk and then calculate how well the model predicted the costs of these subgroups. Our analysis found that the new model generally predicts well for individuals with the highest predicted risk. While the model does not make assumptions about behavioral changes under the IRA benefit structure, future model calibrations will be able to use more recent data to incorporate any changes in utilization or costs that are unknown at this time.

13. Which years of data did CMS use to calibrate the Part D risk adjustment model?

For MA-PD plans and standalone PDPs, the Part D risk adjustment model finalized in the Rate Announcement is calibrated on 2021 diagnoses to predict 2022 expenditures. For PACE organizations, the finalized Part D risk adjustment model is calibrated on 2018 diagnoses to predict 2019 expenditures.

14. What Part D normalization methodology is CMS finalizing?

 CMS finalized a proposal to maintain the linear slope methodology for calculating Part D model normalization factors—which is to calculate a slope using five years of risk scores and then projecting the slope by the number of years between the denominator year to the payment year—but to do this calculation separately for MA-PD plans and PDPs. Applying separate normalization factors to risk scores used to pay MA-PD plans and PDPs will more accurately reflect Part D costs in each of these two sectors of the Part D market that are driven by a variety of market-based variables, including the overall benefits that they are able to manage, lack of an ability of PDPs to affect the submission of diagnoses in FFS, and available strategies used to manage costs. We are continuing to use the linear slope methodology, as opposed to the new multiple linear regression methodology that is being used for MA normalization factors, due to a one-year lag in the availability of risk scores for Part D, which prevents us from evaluating the updated methodology for Part D for CY 2025.

15. How does the revised Part D risk adjustment model consider changes to plan liability for individuals with a low-income subsidy? 

The finalized Part D risk adjustment model update reflects the changes to plan liability for low-income individuals as part of the IRA Part D benefit design. The RxHCC model uses health status (diagnoses) and prescription drug expenditure data from prior years to estimate relative plan liability; CMS takes these prior year expenditures and reallocates them among the plan, the beneficiary, the government, and manufacturer discounts according to the benefit design in the upcoming payment year. Specifically, the revised CY 2025 Part D risk adjustment model reflects expenditures based on the changes to plan liability for low-income beneficiaries that will be in place for CY 2025. The CY 2025 Part D risk adjustment model continues to have separate risk scores for aged low-income and disabled low-income individuals that are higher on average than risk scores for non-low-income beneficiaries, and in fact are expected to be even higher relative to non-low-income risk scores under the new benefit.

16. Does the revised Part D risk adjustment model accurately predict for individuals using high-cost drugs?

CMS measures how well the Part D risk adjustment model predicts costs by assessing how well it predicts costs across levels of risk, meaning that we look across subgroups of beneficiaries by their level of predicted risk and then calculate how well the model predicted the costs of these subgroups. For example, our analysis found that the new model predicts well for the group of individuals with the highest predicted risk (i.e., the highest risk scores).

The Part D risk adjustment model is not intended to predict costs for specific drugs. Part D plan sponsors submit bids that account for the projected revenue needed to cover the expected per-beneficiary costs of their enrollee population. Risk adjustment is used to adjust these plan bids and to calculate payment based on health status and demographic characteristics such that plans are paid more for individuals predicted to have higher drug costs on average. Plan sponsors are expected to manage the risk of their enrolled populations, and the Part D risk adjustment model is not intended to influence decisions about drugs prescribed to individuals. 

[1] “Medicare health plans” include MA plans, Section 1876 Cost plans, PACE programs, and MMPs.

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Why Shares of UnitedHealth Group, CVS Health, and Humana Fell Today

April 02, 2024 — 07:59 pm EDT

Written by Steve Symington for The Motley Fool  ->

Shares of several leading health insurance managed care stocks plunged today after the federally run Centers for Medicare and Medicaid Services (CMS) finalized a lower-than-expected 3.7% payment rate increase for the 2025 calendar year. When all was said and done at close of Tuesday's trading, shares of Humana (NYSE: HUM) were down 13.4%, CVS Health (NYSE: CVS) had fallen 7.2%, and UnitedHealth Group (NYSE: UNH) plunged 6.4%.

Why some investors were surprised by this Medicare rate increase

In a press release late yesterday, the CMS -- the federal agency operating within the U.S. Department of Health and Human Services that administers the Medicare program -- announced that payments from the government to Medicare Advantage (MA) plans are expected to increase by 3.7% once they're risk-adjusted to account for the health of covered customers. That equates to a more than $16 billion year-over-year increase in payments to MA plans for 2025. The federal government is projected to pay between $500 billion and $600 billion in Medicare Advantage payments to private health plans next year.

CMS is also finalizing changes to the structure of the Medicare Part D drug benefit for calendar year 2025, capping annual out-of-pocket costs at $2,000 for prescription drugs for people with Medicare Part D next year.

So why, exactly, is this bad news for health insurance managed care stocks? That 3.7% hike was in line with rates previously proposed by policymakers, after all.

But many industry watchers expected a larger rate hike to enable payments to better keep pace with rising medical costs. In the weeks leading up to last night's announcement, insurance companies had widely balked at the proposal as inadequate, putting pressure on the Biden administration for a more pronounced increase in payment rates akin to 2022 and 2023.

"The funding level was broadly consistent with our expectation, which we do not believe is sufficient to cover current medical cost trends," said CVS Health CEO Karen Lynch during the company's quarterly earnings call in February.

Humana management has also previously argued that higher-than-expected medical costs have negatively impacted its earnings.

"It's a big shortfall," said Cantor Fitzgerald analyst Sarah James in a note to clients this morning. "This will come as a surprise."

What's next for shareholders of health insurance stocks?

Though CMS Administrator Chiquita Brooks-LaSure insisted their decision is aimed at "maintain[ing] the stability of the Medicare Advantage and Part D prescription drug programs," insurance company spokespeople are already arguing the opposite.

Insurers generally receive more money from Medicare Advantage payments if enrollees have a larger number of documented health issues. The shift by the Biden administration to a risk-adjusted coding system starting last year was meant to prevent abuses of that system. Health insurers, for their part, insist the risk-adjusted system disproportionately affects senior enrollees' benefits.

"These inadequate rates paid by the MA plans destabilize the financial health of provider organizations more broadly," stated Katie Smith Sloan, CEO of aging services provider LeadingAge. "Policymakers must act before we find few providers remaining to serve the more than 65 million Medicare beneficiaries."

More than half of all Medicare beneficiaries -- around 33 million people -- currently receive Medicare benefits via a Medicare Advantage plan.

According to estimates from banking company Stephens, "core" MA payment rates will actually decline by around 0.16% in 2025 after accounting for higher utilization trends expected in 2025. This is a "highly adverse outcome for the industry," Stephens wrote in a research report this morning, marking "a continuation of the negative CMS rate cycle -- now denoted as 'Year 2' -- of a much more constrained annual MA reimbursement trend as compared to the significantly more favorable rate outcomes in 2022 and 2023."

For perspective, the CMS previously increased the payment rate by 7.98% in 2022, 8.5% in 2023, and 3.32% in 2024.

In the end, however positive the CMS is in framing this 3.7% payment rate hike for MA plans, it's clear that the market wants more. Facing the prospect of continued pressure on their results as medical costs and MA plan utilization continue to rise, it's no surprise to see health insurance stocks falling broadly in response.

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Steve Symington has no position in any of the stocks mentioned. The Motley Fool recommends CVS Health and UnitedHealth Group. The Motley Fool has a disclosure policy .

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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