Zing Health, Inc. v. U.S. Department of Health and Human Services

District Court, District of Columbia·Decided September 30, 2025·No. Civil Action No. 2024-0855·Published

Opinion

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA

)

ZING HEALTH, INC., et al., )

)

Plaintiffs, )

)

v. ) Civil Action No. 24-855 (RBW)

)

U.S. DEPARTMENT OF HEALTH ) AND HUMAN SERVICES, ) et al., )

)

Defendants. )

)

MEMORANDUM OPINION

Zing Health, Inc., Zing Health of Michigan, Inc., and Zing Health Consolidator, Inc.

(collectively, the “plaintiffs” or “Zing Health”), bring this civil action against the United States Department of Health and Human Services (“HHS”); the Centers for Medicare & Medicaid Services (“CMS”); Robert F. Kennedy, Jr., in his official capacity as Secretary of HHS; and Dr. Mehmet Oz, in his official capacity as Administrator of CMS (collectively, the “defendants”), 1 pursuant to the Administrative Procedure Act (the “APA”), 5 U.S.C. §§ 701–706. See First Amended Complaint (“Am. Compl.”) at 1, ECF No. 18. Currently pending before the Court is the defendants’ motion to dismiss the plaintiffs’ Amended Complaint pursuant to Federal Rule of Civil Procedure 12(b)(1). See Defendants’ Motion to Dismiss Amended Complaint and Memorandum in Support Thereof (“Defs.’ Mot.”) at 1, ECF No. 20. Upon careful consideration

1 Robert F. Kennedy, Jr. is the current Secretary of HHS and Dr. Mehmet Oz is the current Administrator of CMS, and, therefore, they are automatically substituted for their predecessors Xavier Becerra and Chiquita Brooks-LaSure, respectively, pursuant to Federal Rule of Civil Procedure 25(d).

of the parties’ submissions, 2 the Court concludes for the following reasons that it must grant the defendants’ motion to dismiss.

I. BACKGROUND

A. Factual and Procedural Background The following allegations are derived from the plaintiffs’ Amended Complaint unless otherwise specified. Under Medicare, senior citizens and individuals with disabilities “can receive coverage from the federal government directly or by enrolling in private health insurance plans that are reimbursed by the government[,]” and this latter option is known as “Medicare Advantage” or “Medicare Part C.” Scan Health Plan v. Dep’t of Health & Hum. Servs., No. 23- cv-3910 (CJN), 2024 WL 2815789, at *1 (D.D.C. June 3, 2024) (citations omitted). “Beneficiaries who choose either option may also choose to supplement their benefits by enrolling in a prescription drug benefit plan known as Medicare [Advantage-]Part D[,]” or “MA- PD” plans, id. (citing 42 U.S.C. § 1395w-101 et seq.), and these MA-PD plans “are also operated by private insurers[,]” id. (citing 42 U.S.C. § 1395w-101(a)(1)).

Zing Health is a private health insurance organization “founded in 2019 by physician entrepreneurs and a healthcare executive with the mission to address healthcare disparities among historically underserved populations[,]” Am. Compl. ¶ 7, as well as to “drastically improve health outcomes in diverse populations that have been chronically underserved[,]” id. ¶ 9. To accomplish this objective, Zing Health offers health insurance to Medicare beneficiaries through MA-PD contracts. See id. ¶ 10.

2 In addition to the filings already identified, the Court considered the following submissions in rendering its decision: (1) the Plaintiffs’ Opposition to Defendants’ Motion to Dismiss Plaintiffs’ Amended Complaint (“Pls.’ Opp’n”), ECF No. 22; and (2) the Defendants’ Reply in Further Support of Defendants’ Motion to Dismiss Amended Complaint (“Defs.’ Reply”), ECF No. 24.

MA-PD contracts, such as Zing Health’s contracts, receive annual Star Ratings from CMS, which administers the Medicare program. See id. ¶ 11. These Star Ratings, which are on a scale of five stars with half-star increments, see 42 C.F.R. § 4222.166(c), (d)(2)(iv), are “based on ‘health and drug plan quality and performance measures[,]’” Am. Compl. ¶ 11, and are used by “Medicare beneficiaries . . . to evaluate and compare plans’ quality performance, as assessed by CMS, when they shop for a Medicare Advantage plan[,]” id.

Star Ratings are also used to “determine MA-PD plans’ eligibility to receive quality bonus payments and rebates that fund additional benefits for plans’ Medicare members.” Id. ¶ 12. If a Medicare Advantage plan receives a Star Rating decrease, the plan can “be disqualified from receiving quality bonus payments[.]” Id. ¶ 87. Additionally, if a Medicare Advantage plan receives less than three stars “on [a] . . . Part D [plan] for three years in a row,” CMS may disqualify that plan from MA-PD. Id. ¶ 114.

“CMS must calculate the Star Ratings based on a clear and unambiguous methodology that includes the calculation of measure-specific ‘cut points[,]’” id. ¶ 13; see 42 C.F.R. §§ 422.166(a), 423.186(a), which “are the dividing lies between one Star Rating and the next higher or lower Star Rating[,]” Am. Compl. ¶ 13. Relevant here, CMS has, in recent years, changed the way it calculates Star Ratings. “In 2020, CMS promulgated regulations that revised its Star Ratings methodology to include ‘guardrails’ that provide stability and predictability for MA-PD plans by reducing the fluctuation in the cut points used to calculate annual Star Ratings.” Id. ¶ 14 (citing 42 C.F.R. §§ 422.162, 422.166, 423.182, 423.186). Further, CMS promulgated regulations to clean Tukey outliers—defined as “extreme outliers on the high and low ends of a data set[]”—from the raw data before calculating cut points. Id. ¶ 17. These changes were first implemented for the 2023 and 2024 Star Ratings, respectively. See Medicare and Medicaid

Programs; Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency, 85 Fed. Reg. 19,230, 19,274–75 (Apr. 6, 2020); Medicare Program; Contract Year 2021 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, and Medicare Cost Plan Program, 85 Fed. Reg. 33,796, 33,836 (June 2, 2020).

The plaintiffs contend that these changes had profoundly negative impacts on their MA-

PD plans. See Am. Compl. ¶ 19. After having received only 2.5 Star Ratings in both 2022 and 2023, see id. ¶ 110, the “[plaintiffs’] 2024 Part D Star Rating remained low, and became the third and last data point used by CMS immediately to prohibit [the plaintiffs] from marketing and enrolling beneficiaries into its MA-PD plans and terminate [the plaintiffs’] contract from the Medicare Advantage Program effective December 31, 2024,” id. ¶ 19, which the plaintiffs contend has harmed their beneficiaries and resulted in both reputational and economic harm to the plaintiffs themselves, see id. ¶¶ 19, 26–27.

In June 2024, after the plaintiffs filed their Complaint in this case, two other members of this Court concluded, in cases pursued by other plaintiffs, that CMS improperly calculated its 2024 Star Ratings and ordered CMS to recalculate those ratings in accordance with the relevant regulations. See generally Elevance Health, Inc. v. Becerra, 736 F. Supp. 3d 1 (D.D.C. 2024); Scan Health Plan, 2024 WL 2815789. In response to these orders, CMS “recalculated the 2024 Star Ratings[,]” Am. Compl. ¶ 139, including the plaintiffs’ prior Star Ratings, see id.

CMS then issued a memorandum (the “CMS Memorandum”) “announcing its intention to recalculate the . . . 2024 Star Ratings for 2025 quality bonus payment purposes.” Id. ¶ 138; see also Am. Compl., Exhibit (“Ex.”) 3 (Letter from Kathryn A. Coleman, Director, Medicare Drug & Health Plan Contract Administration Group, Center for Medicare, to Medicare

Advantage Organization Compliance Officers re: Update to 2025 Quality Bonus Payment Determinations (June 13, 2024) (“CMS Mem.”)) at 1, ECF No. 18. Specifically, the CMS Memorandum noted that CMS had “assigned all contracts the recalculated 2024 overall and/or summary Star Ratings if those recalculated ratings result[ed] in higher [Quality Bonus Payment] Ratings than what was previously assigned based on” the prior improper calculations. Id. ¶ 32; see Am. Compl., Ex. 3 (CMS Mem.) at 1.

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