How many Humana plans are there for 2027?

Humana is offering 861 Medicare Advantage plans for 2027. That is down from 887 in 2026, as the company trims 37 PPOs and pulls out of 57 counties plus the state of Minnesota. Use your ZIP code to see which of those plans are actually sold where you live.

Is Humana leaving Minnesota?

Yes. Humana is exiting Minnesota for 2027, so its Medicare Advantage members there will need to choose new coverage during Annual Enrollment, October 15 to December 7, 2026. Their plans keep paying claims through December 31, 2026, and affected members get a Special Enrollment Period plus certain guaranteed issue rights for Medigap.

When can I enroll in a Humana Medicare Advantage plan for 2027?

You can join or switch to a Humana plan during Annual Enrollment, October 15 through December 7, 2026, and the new coverage takes effect January 1, 2027. If you are already in a Medicare Advantage plan, the January 1 to March 31, 2027 open enrollment window allows one more change.

What happens if my Medicare Advantage plan is ending?

Your current plan keeps covering you through December 31, 2026, and the insurer must send a non-renewal notice explaining your options. You can choose a replacement during Annual Enrollment or a Special Enrollment Period, and you generally also gain a guaranteed issue right to buy certain Medigap plans, usually within 63 days after coverage ends.

How many Humana members are affected by the 2027 changes?

About 600,000 Humana members are affected by the company's 2027 plan cuts and service area exits. The changes include leaving 57 counties and Minnesota and dropping 37 PPO plans. If you are one of them, watch for your Annual Notice of Change or non-renewal letter this fall.

Is Humana cutting PPO plans for 2027?

Yes. Humana is cutting 37 PPO plans for 2027 as part of a broader reduction from 887 plans to 861. If your PPO is affected, you may be able to move to another Humana plan or choose a different insurer during Annual Enrollment, October 15 to December 7, 2026.

Do Humana Medicare Advantage plans include dental and vision?

Some may. Depending on the plan and your area, Humana Medicare Advantage plans may include dental, vision, hearing or over-the-counter benefits, but not all plans offer all benefits. Check each plan's Evidence of Coverage for limits and copays before you enroll.

Does Humana offer Special Needs Plans for 2027?

Humana's lineup includes Special Needs Plans in some areas alongside its HMO and PPO options. Eligibility depends on factors such as having both Medicare and Medicaid or a qualifying chronic condition. Availability varies by county, so confirm what is offered at your ZIP code before deciding.

What is Medicare Advantage?

Medicare Advantage, also called Medicare Part C, is a way to get your Part A and Part B benefits through a private insurance company approved by Medicare instead of directly from Original Medicare. Most plans also include Part D drug coverage, and many may include extras such as dental, vision and hearing.

Do I still pay Part B?

Yes. You keep paying your Part B premium after you join a Medicare Advantage plan, plus any premium the plan itself charges. The standard Part B premium is $202.90 a month in 2026, and the 2027 amount, projected at about $209.50, is expected to be announced in November.

Is there a yearly cap?

Yes. Every Medicare Advantage plan has a yearly out-of-pocket maximum for covered Part A and Part B services, a protection Original Medicare alone does not have. Once you reach it, the plan pays for covered services for the rest of the year; limits vary by plan, and PPOs usually have a separate, higher combined limit.

When can I enroll in a Medicare Advantage plan for 2027?

You can sign up for a Medicare Advantage plan for 2027 during Annual Enrollment, October 15 to December 7, 2026, and coverage starts January 1, 2027. If you are already in Medicare Advantage, you can make one more change from January 1 to March 31, 2027, and new enrollees can join when they first become eligible.

What happens if my Medicare Advantage plan is ending?

Your plan will send a non-renewal notice, and your coverage continues through December 31, 2026. You can choose a new Medicare Advantage plan during Annual Enrollment or a Special Enrollment Period, and you generally have a guaranteed issue right to buy certain Medigap plans if you would rather switch to Original Medicare.

What is the difference between an HMO, PPO and SNP?

An HMO usually requires you to use in-network doctors and often needs referrals, while a PPO also covers out-of-network care at a higher cost. A Special Needs Plan, or SNP, is limited to people with certain chronic conditions, Medicaid eligibility or institutional care, and its benefits are tailored to those needs.

How much do Medicare Advantage plans cost in 2027?

CMS projects the average Medicare Advantage premium will be $12 a month in 2027, down from $14.37 in 2026, and you still pay your Part B premium on top of that. Your real costs also include copays, coinsurance and the plan's out-of-pocket maximum, so compare total yearly costs, not just the premium.

Humana Medicare Part C Plans 2027

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

Humana Medicare Part C plans are Humana’s Medicare Advantage plans, which combine Part A and Part B coverage and usually Part D drug coverage in one plan. For 2027, Humana offers 861 plans, down from 887, while exiting 57 counties and Minnesota and cutting 37 PPOs.

“Part C” is the official Medicare name for Medicare Advantage. When you see a Humana Part C plan, it is a Humana Medicare Advantage HMO, PPO or Special Needs Plan approved by Medicare. About 600,000 Humana members are affected by 2027 changes, so read your Annual Notice of Change.

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

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

Key Highlights

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Part C is the same as Medicare Advantage.

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Humana: 861 plans, down from 887.

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Humana exits 57 counties and Minnesota.

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

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Annual Enrollment is October 15 through December 7, 2026.

Compare plans and enroll online

Humana Part C, Part D and Medigap: Which Is Which

Product	What It Covers	Works With
Humana Part C (Medicare Advantage)	Hospital and medical care, usually drugs, possibly extras	Replaces Original Medicare for most claims
Humana standalone Part D	Prescription drugs only	Original Medicare, with or without Medigap
Medicare Supplement (Medigap)	Gaps in Original Medicare costs	Original Medicare only; not Part C

Product availability varies by state and county.

A common mistake is buying a Part C plan and a separate Part D plan. If your Humana Part C plan includes drug coverage and you join a standalone drug plan, you are generally disenrolled from the Part C plan.

Benefits Humana Plans May Offer

Humana Plans May Include

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Hospital and medical coverage matching Original Medicare Part A and B

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Part D prescription drug coverage on most plans

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Routine dental, vision and hearing benefits

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Fitness programs and over-the-counter allowances

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Telehealth visits and care coordination programs

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A yearly out-of-pocket maximum on every plan

Benefits are not offered by every plan. They differ by plan and county and may change for 2027. Review the Evidence of Coverage for each plan before enrolling.

Humana Medicare Part C Plans, Understanding Medicare Part C

What to Check for 2027

Key Takeaway

Read your Humana Annual Notice of Change. If you live in Minnesota or one of the 57 counties Humana is leaving, you will get a non-renewal letter.

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.

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.

Find & Compare Plans Online

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Humana Part C Plan Types

Type	How It Works	May Fit
HMO	In-network care; referrals often required	People who want lower costs and stay local
PPO	In- and out-of-network care at different costs	People who want flexibility; Humana is cutting 37 PPOs
Special Needs Plan	Designed for people with Medicaid, chronic conditions or institutional care needs	People who qualify

Humana 2027 by the Numbers

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.

Humana Medicare Part C Plans, The Humana Edge: Why Choose Their Medicare Part C Plans

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 Humana plans generally rely on networks of doctors and hospitals and may require prior authorization or referrals for some services. Unlike Original Medicare, every Medicare Advantage plan has a yearly out-of-pocket maximum for covered medical care. You continue to pay your Part B premium, along with your 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

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

Humana Drug Coverage for 2027

Part D drug coverage is included in most Humana Medicare Advantage plans. Every plan has its own formulary, drug tiers and pharmacy network, and plans often charge less through mail order and at preferred pharmacies. In 2027, the Part D deductible on any plan can be as high as $700, and out-of-pocket costs for covered drugs are capped at $2,400.

Tier	Typical Drugs	Typical Cost
Tier 1	Preferred generics	Lowest copay
Tier 2	Generics	Low copay
Tier 3	Preferred brand-name drugs	Moderate copay
Tier 4	Non-preferred drugs	Higher copay or coinsurance
Tier 5	Specialty drugs	Highest coinsurance

Each plan sets its own tiers. Review every plan’s formulary.

A drug you take may not be on a plan’s 2027 formulary, or it may come with a rule such as prior authorization. Even then, you have options:

If Your Drug Is Not Covered

Request a transition fill. During the first 90 days of a new plan or plan year, plans generally have to provide a temporary supply of a drug you already take, giving you time to change drugs or ask for an exception.

Talk to your doctor about other options. A covered drug from the same class could work just as well for less money.

Ask for a tiering or formulary exception. Your doctor sends a statement explaining why you need the drug or a lower copay. Plans have to decide within set time limits.

Challenge a denial. When the plan turns you down, you have the right to appeal through several levels of review.

See steps to appeal a Medicare Part D denial.

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

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

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

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

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.

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 Humana Plans for 2027

How to Compare

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

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

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

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

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

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

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 Part C plans remain widely available for 2027, but cuts affect about 600,000 members. Confirm your plan continues and compare during Annual Enrollment.

Compare plans and enroll online

Frequently Asked Questions

➤ What is a Humana Medicare Part C plan?

A Humana Medicare Part C plan is a Humana Medicare Advantage plan. It covers everything Part A and Part B cover, except hospice, and usually includes Part D drug coverage. Some plans may include extras such as dental or vision, but not all plans offer all benefits.

➤ Is Part C the same as Medicare Advantage?

Yes. Part C is the official Medicare name for Medicare Advantage, the private plans approved by Medicare that replace Original Medicare for most claims. Humana sells its Part C plans as HMOs, PPOs and Special Needs Plans, depending on the county.

➤ How many Humana Part C plans are there for 2027?

Humana offers 861 Medicare Advantage plans for 2027, down from 887, according to CMS data reported by Becker’s. Humana is exiting 57 counties plus Minnesota and cutting 37 PPOs, and about 600,000 members are affected.

➤ Is Humana leaving Medicare Advantage?

No. Humana remains one of the largest Medicare Advantage insurers for 2027, but it is leaving 57 counties and Minnesota. If your plan is ending, you will get a non-renewal letter, keep coverage through December 31, 2026, and have a Special Enrollment Period.

➤ Can I have a Humana Part C plan and a separate Part D plan?

Usually no. If your Part C plan includes drug coverage and you join a standalone Part D plan, you are generally disenrolled from the Part C plan. Some Part C plans without drug coverage, such as certain PPOs, can be paired with a standalone drug plan.

➤ Can I use a Medigap plan with a Humana Part C plan?

No. Medigap works only with Original Medicare and cannot pay costs in a Medicare Advantage plan. If you want Medigap, you would leave Part C, return to Original Medicare and add a separate Part D plan.

➤ Are Humana Part C PPOs being cut for 2027?

Yes, Humana is cutting 37 PPOs for 2027. If your PPO is ending, compare Humana HMOs, PPOs from other insurers and Medigap. Your non-renewal letter gives you a Special Enrollment Period and guaranteed issue rights to certain Medigap plans.

➤ What extra benefits might Humana Part C plans include?

Some Humana plans may include dental, vision, hearing, over-the-counter allowances or fitness benefits. Not all plans offer all benefits, and amounts vary by plan and county. Check the 2027 Evidence of Coverage for dollar limits and networks.

➤ When can I enroll in a Humana Part C plan for 2027?

During Annual Enrollment, October 15 to December 7, 2026, with coverage starting January 1, 2027. If you are already in Medicare Advantage, you can make one change from January 1 to March 31, 2027, and members whose plans end have a Special Enrollment Period.

Have Questions?

Speak with a licensed insurance agent

1-833-641-4938

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Find & Compare Plans Online

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1-833-641-4938TTY 711

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

Russell Noga( 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.

that cover doctors & Rx drugs

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Humana Medicare Part C Plans 2027

Key Highlights

Compare plans and enroll online

Humana Part C, Part D and Medigap: Which Is Which

Benefits Humana Plans May Offer

What to Check for 2027

Find & Compare Plans Online

Speak with a licensed insurance agent

1-833-641-4938TTY 711

Mon-Fri: 8am-9pm ET

Humana Part C Plan Types

Humana 2027 by the Numbers

How Medicare Advantage Works

Pros and Cons of Medicare Advantage

Humana Drug Coverage for 2027

If Your Plan Is Ending

How to Compare Humana Plans for 2027

2027 Enrollment Dates

Special Needs Plans

Turning 65 in 2027

Star Ratings

Medicare Advantage or Medigap?

Help Paying Medicare Costs

Getting Help

Bottom Line

Compare plans and enroll online

Frequently Asked Questions

➤ What is a Humana Medicare Part C plan?

➤ Is Part C the same as Medicare Advantage?

➤ How many Humana Part C plans are there for 2027?

➤ Is Humana leaving Medicare Advantage?

➤ Can I have a Humana Part C plan and a separate Part D plan?

➤ Can I use a Medigap plan with a Humana Part C plan?

➤ Are Humana Part C PPOs being cut for 2027?

➤ What extra benefits might Humana Part C plans include?

➤ When can I enroll in a Humana Part C plan for 2027?

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