Medicare scores plans from 1 to 5 stars. 5-star plans can be offered all year long and not just during the enrollment period. That's an incentive for companies to offer the most to consumers. I can tell you that, for veterans, Humana has a plan called Honor that was developed with USAA specifically for veterans, to supplement VA care. From what I've read in the details, there is a lot of advantage to very little downside. The lesson learned is to enroll in a Medicare 4- or 5-star plan and disregard anything less.