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Humana Medicare Advantage Plans Minnesota 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) | Last updated October 8, 2026

Humana is leaving Minnesota for 2027, so Humana Medicare Advantage plans will not be offered in the state next year. Humana members in Minnesota keep coverage through December 31, 2026, and must choose new coverage for January 1, 2027.

Nationally, Humana trims its lineup to 861 plans from 887, leaves 57 counties plus Minnesota and cuts 37 PPOs; about 600,000 members are affected. The Senior LinkAge Line offers free counseling in Minnesota.

See is Humana leaving Medicare Advantage and Medicare Advantage plans Minnesota 2027.

✔ Licensed across all 50 states
✔ Built on CMS 2027 data
✔ No-cost plan comparison

Key Highlights

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Humana leaves Minnesota.

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Coverage continues through December 31, 2026.

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Special Enrollment Period and Medigap rights.

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Nationally, the average 2027 Medicare Advantage premium is $12 a month, down from $14.37 (CMS).

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The Annual Enrollment Period is October 15 to December 7, 2026.

Compare plans and enroll online

Your Humana Minnesota Timeline

Key Dates

1

Now: look for your Humana non-renewal letter and keep it.

2

October 15 to December 7, 2026: choose a new plan during Annual Enrollment for January 1 coverage.

3

By December 31, 2026: your Humana coverage ends; your Special Enrollment Period lets you pick a plan after December 7 too.

4

January 1, 2027: new coverage begins.

5

Up to 63 days after coverage ends: your guaranteed issue right to certain Medigap coverage generally applies.

What Changed at Humana for 2027

Humana 2027 Change Detail
Total plans 861 (down from 887)
PPO plans cut 37
Counties losing plans 57
State exit Minnesota
Members whose plans end About 600,000

Source: Humana and CMS 2027 landscape data reported by Becker’s, October 1, 2026.

Keep an eye out: a non-renewal letter will arrive if your plan is ending. You stay covered through December 31, 2026. Taking no action sends you back to Original Medicare with no drug coverage.

Humana Medicare Advantage Plans Minnesota 2027: What to Verify First

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What Happens If You Do Nothing

Do not wait: if you do not choose a new plan, you return to Original Medicare on January 1, 2027 without drug coverage, and you could face a Part D late enrollment penalty later.

Choose replacement coverage, either another Medicare Advantage plan in your county or Original Medicare with a Minnesota Medigap plan and Part D, before your Humana coverage ends.

Minnesota's 2027 Shakeup

68 to 53

Minnesota Medicare Advantage plans for 2027.

$59.40

Average 2027 Minnesota premium.

18 Counties

With no standard MA plan for 2027.

Minnesota Insurer 2027 Change
Humana Leaving Minnesota
HealthPartners Discontinuing 3 plans, leaving 7 counties (about 24,500 members)
Blue Cross and Blue Shield of Minnesota Pulling back or restructuring
Medica Pulling back or restructuring
Allina Health | Aetna Shrinking footprint

How Medicare Advantage Works

Medicare Advantage, sometimes called Part C, lets you receive your Medicare benefits through a Medicare-approved private insurer. These plans cover everything Original Medicare Part A and Part B cover, with the exception of hospice care, which Original Medicare continues to pay for. Most also bundle Part D drug coverage, and many may tack on extras like routine dental, vision and hearing benefits.

The trade-off is that Medicare Advantage plans generally rely on doctor and hospital networks and may call for referrals or prior authorization for certain services. Each Medicare Advantage plan sets a yearly out-of-pocket maximum for covered medical care, something Original Medicare lacks. You still pay your Part B premium, along with the plan’s premium if there is one.

Feature HMO PPO
Out-of-network care Not covered except emergencies and urgent care Covered at a higher cost
Referrals for specialists Usually required Usually not required
Premiums Usually lower Usually higher
Out-of-pocket maximum In-network limit In-network limit plus a higher combined limit
Best for Lower costs, local care Flexibility, travel, keeping specific doctors

Enrollment Periods and Transition Rules for Medicare Advantage

Pros and Cons of Medicare Advantage

Advantages

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Often a low or $0 premium

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A yearly out-of-pocket maximum

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Drug coverage usually included

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Dental, vision and hearing benefits may be included in many plans

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One card and one plan

Tradeoffs

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Networks; except for emergencies, HMOs require in-network care

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Prior authorization and referrals are common

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Copays add up if you use a lot of care

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Plans and networks can change every year

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Moving to Medigap later may involve health questions

If Your Plan Is Ending

If your Humana plan won’t be available in your county for 2027, a non-renewal notice should have arrived in early October. Your coverage doesn’t end immediately: it runs through December 31, 2026, which gives you time to decide.

If Your Plan Is Ending

1

Review your non-renewal letter. It verifies that your plan is ending and lays out your choices.

2

Write down your doctors and drugs. Comparing replacement plans requires them.

3

Compare your 2027 plan choices. Look at networks, drug coverage and the out-of-pocket maximum, not only the premium.

4

Pick a plan by December 31 to avoid a gap. If you enroll during Annual Enrollment by December 7, your coverage starts January 1, 2027.

5

Rely on your Special Enrollment Period if necessary. If your plan is ending, you generally have until the end of February 2027 to make a choice.

If you take no action: on January 1, 2027, you go back to Original Medicare, and you will have no drug coverage unless you pick a Part D plan. Being without drug coverage may result in a late enrollment penalty.

Medigap rights: if your Medicare Advantage plan exits your area, you generally get a guaranteed issue right, lasting up to 63 days after your coverage ends, to purchase certain Medicare Supplement plans with no health questions.

How to Compare Replacement Plans for 2027

How to Compare

1

Review your Annual Notice of Change. It spells out every 2027 change to the plan you have now.

2

Verify your doctors and hospitals. Make sure every provider is in the 2027 network, not only the 2026 network.

3

Review your prescriptions. Verify every drug, the tier it falls on and any step therapy or prior authorization rules.

4

Look at the full annual cost. Total up the premium, usual copays and drug costs, and review the out-of-pocket maximum.

5

Look at star ratings. Medicare scores plans on quality and service using a 1 to 5 star scale.

6

Sign up by December 7. Coverage under your new plan begins January 1, 2027.

2027 Enrollment Dates

Enrollment Period Dates What You Can Do
Annual Enrollment Period October 15 to December 7, 2026 Join, change or drop a Medicare Advantage or Part D plan effective January 1, 2027
Medicare Advantage Open Enrollment January 1 to March 31, 2027 In Medicare Advantage, you can change to another plan or go back to Original Medicare one time
Initial Enrollment Period 7 months around your 65th birthday month Sign up for Medicare and choose your first plan
Special Enrollment Periods Varies Switch plans after events such as a move, a loss of other coverage or your plan exiting your area

Annual Enrollment is when most people make changes. If you like your current plan, no action is needed; it renews on its own. Even so, review your Annual Notice of Change, since networks, premiums, copays and drug lists can all change on January 1.

Special Needs Plans

Special Needs Plans (SNPs) are Medicare Advantage plans designed for particular groups. Their benefits, networks and drug lists are shaped around the members they serve, and many come with care coordinators. In 2027, SNPs are one of the few places large insurers are adding plans, even while cutting PPOs.

Type Who Qualifies What Is Different
Dual Special Needs Plan (D-SNP) People with both Medicare and Medicaid Coordinates both programs; costs are often very low, with extra benefits
Chronic Condition SNP (C-SNP) People who have qualifying conditions like diabetes, heart failure or chronic lung disease Doctors, drugs and programs designed around the condition
Institutional SNP (I-SNP) People who live in a nursing home or need that level of care at home Care delivered where the member lives

Turning 65 in 2027

When you turn 65 in 2027, you get a seven-month Initial Enrollment Period: the three months before your birthday month, the birthday month itself and the three months that follow. If you sign up in the first three months, coverage begins on the first day of your birthday month.

Turning 65 Checklist

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Enroll in Part A and Part B, unless you have qualifying employer coverage and decide to postpone Part B

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Choose between Medicare Advantage and Original Medicare plus Medigap

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Enroll in a drug plan, or a Medicare Advantage plan that includes drugs, to avoid a late Part D penalty

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If you go with Medigap, purchase during your six-month Medigap Open Enrollment Period

Star Ratings

Each fall, Medicare gives every Medicare Advantage and Part D plan a rating of 1 to 5 stars, based on factors such as preventive care, how well chronic conditions are managed, member complaints, customer service and accuracy of drug pricing. You can see the ratings in Medicare Plan Finder.

Using Star Ratings

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Ratings of 4 stars or more are generally a good indicator of quality and service

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A special enrollment period lets you move into a five-star plan once during the year

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A new plan may not have a rating yet, and that alone isn’t a bad sign

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Ratings reflect the plan as a whole, not how well it covers your particular doctors and drugs

Medicare Advantage or Medigap?

Medicare Advantage Original Medicare + Medigap
Monthly premium Often low or $0 (2027 average $12, CMS) Higher; varies by plan letter, age and ZIP
Doctors Usually a network Any provider in the U.S. that accepts Medicare
Costs when you get care Copays and coinsurance up to a yearly maximum Low and predictable; on Plan G, little or nothing once the Part B deductible is met
Drug coverage Usually included Add a separate Part D plan
Dental, vision, hearing Many plans may include some coverage Not included
Changing later Every year during Annual Enrollment Health questions in most states once your Medigap Open Enrollment Period ends

Guaranteed issue: when your Medicare Advantage plan exits your area, you can generally purchase certain Medicare Supplement plans with no health questions asked, up until 63 days after that coverage ends.

Help Paying Medicare Costs

When your income and savings are limited, two programs can greatly lower your Medicare costs:

Medicare Savings Programs

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Run by your state Medicaid office

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May cover your Part B premium, and in some cases deductibles and coinsurance

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Income and asset limits vary by state

Extra Help (Part D)

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Run by Social Security

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Lowers Part D premiums, deductibles and copays

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Those enrolled in a Medicare Savings Program qualify automatically

If you qualify for both Medicare and full Medicaid, you may also be able to join a Dual Special Needs Plan. See help for low-income Part D beneficiaries.

Getting Help

You do not need to compare plans by yourself, and help should not cost you anything. Here are the free options:

Free Help Comparing Plans

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Available any time: Medicare Plan Finder on Medicare.gov

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1-800-MEDICARE (1-800-633-4227), reachable 24 hours a day on all seven days of the week

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Your State Health Insurance Assistance Program (SHIP), which provides free, unbiased counseling

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A licensed agent or insurance broker, who can compare plans across several insurers for free

Gather your Medicare card, a list of your drugs and doses, your doctors and your preferred pharmacies before you call. That way a long conversation becomes a quick one.

Bottom Line

The Bottom Line

Humana is leaving Minnesota for 2027. Keep your non-renewal letter, choose new coverage during Annual Enrollment or your Special Enrollment Period, and use your Medigap rights if Original Medicare fits better.

Compare plans and enroll online

Frequently Asked Questions

➤ Is Humana leaving Minnesota in 2027?

Yes. Humana is leaving Minnesota for 2027 as part of a national pullback that also exits 57 counties. Humana Medicare Advantage members in Minnesota keep their coverage through December 31, 2026 and need to choose new coverage for January 1, 2027.

➤ When does my Humana Minnesota coverage end?

Your Humana coverage continues through December 31, 2026. Choose a new plan during Annual Enrollment, October 15 to December 7, 2026, so your new coverage starts January 1, 2027 without a gap. Your Special Enrollment Period gives you extra time if needed.

➤ Do I get a Special Enrollment Period if Humana leaves?

Yes. Because your plan is leaving your area, you get a Special Enrollment Period to choose a new Medicare Advantage plan or a Part D plan, which can extend past December 7. Choosing by December 7 avoids a gap.

➤ What happens if I do nothing after Humana leaves Minnesota?

You will be returned to Original Medicare on January 1, 2027 without drug coverage. Going without Part D or other creditable coverage can lead to a late enrollment penalty, so choose a replacement plan before your Humana coverage ends.

➤ Can I buy Medigap without health questions after Humana leaves?

Generally, yes. When your Medicare Advantage plan leaves your area, you have a guaranteed issue right to buy certain Medigap coverage without health questions, usually until 63 days after your coverage ends. Keep your non-renewal letter as proof.

➤ How many members does Humana’s 2027 pullback affect?

Nationally, about 600,000 Humana members have plans that are ending for 2027. Humana trims to 861 plans from 887, leaves 57 counties plus Minnesota and cuts 37 PPOs. Members should read their non-renewal letters. Act early.

➤ Where can I get free Medicare help in Minnesota?

The Senior LinkAge Line offers free, unbiased Medicare counseling in Minnesota. With Humana leaving and several other insurers pulling back, a counselor can help you compare replacement plans and Minnesota Medigap options. Counseling is free.

➤ Are other Minnesota insurers cutting plans too?

Yes. HealthPartners is discontinuing 3 plans and leaving 7 counties, Blue Cross and Blue Shield of Minnesota and Medica are pulling back or restructuring, and Allina Health | Aetna is shrinking. Minnesota plans fall from 68 to 53.

➤ When can I change Medicare Advantage plans for 2027?

You can change plans during Annual Enrollment, October 15 to December 7, 2026, and your new coverage starts January 1, 2027. If you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027 allows one more change.

Have Questions?

Speak with a licensed insurance agent

1-833-641-4938

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-833-641-4938TTY 711

Mon-Fri: 8am-9pm ET

ZRN Health & Financial Services, LLC, a Texas limited liability company

( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.

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