Humana Medicare Plans 2027
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 7, 2026
Humana Medicare plans 2027 are available now to compare. CMS released 2027 plan details on October 1, 2026, and Humana is one of the biggest names in Medicare Advantage. It is also making some of the biggest changes for 2027: Humana is discontinuing plans that cover roughly 600,000 members and leaving Minnesota, while still offering plans across most of the country.
This guide covers Humana’s 2027 plan types, what is changing, who is affected, and how to compare Humana Medicare Advantage plans 2027 in your area before Annual Enrollment closes December 7.
Key Takeaways
- Humana offers Medicare Advantage HMO and PPO plans, Special Needs Plans, and standalone Part D drug plans, depending on your area.
- For 2027, Humana is discontinuing plans covering roughly 600,000 members, pulling standard plans from 57 counties and exiting Minnesota.
- Analysts report many Humana plans are raising out-of-pocket maximums (about 8% on average) and Part D deductibles (about 30%) for 2027, so compare total costs, not just premiums.
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Overview of Humana Medicare Plans for 2027
Humana is one of the two largest Medicare Advantage companies in the country, along with UnitedHealthcare. Depending on where you live, Humana’s 2027 lineup may include:
- Humana Gold Plus (HMO): lower-cost plans that use a provider network and usually require referrals
- HumanaChoice (PPO): plans that let you see out-of-network providers for a higher cost
- Humana USAA Honor plans: plans designed for veterans, which may include $0 premiums and, on some plans, a Part B giveback
- Humana Dual and Special Needs Plans: plans for people with both Medicare and Medicaid, or certain chronic conditions
- Humana Part D plans: standalone drug coverage for people on Original Medicare
Plan names, costs and benefits vary by county, and not all plans offer all benefits. Review the plans in your ZIP code, such as Humana Medicare Advantage plans in Florida, to see what is available where you live.
Changes in Humana Medicare Advantage Plans for 2027
Humana is making significant changes for 2027 as it focuses on profitability after several difficult years:
- About 600,000 members losing their plans: Humana is discontinuing plans covering roughly 600,000 members nationwide. Non-renewal letters went out in early October, and affected coverage ends December 31, 2026.
- Leaving counties and one state: Humana is pulling standard plans from 57 counties and exiting Minnesota entirely.
- Higher cost-sharing on many plans: analysts report Humana’s out-of-pocket maximums rising about 8% and Part D deductibles about 30% on average, with premiums roughly flat.
- Star ratings: the share of Humana members in plans rated 4 stars or higher fell to about 20% for 2026, down from 94% in 2024. 2027 star ratings are released in early October.
If your Humana plan is continuing, your Annual Notice of Change lists exactly what is different for 2027. If it is ending, your non-renewal letter explains your options, including a Special Enrollment Period.
Key Benefits of Humana Medicare Advantage Plans
Humana Medicare Advantage plans cover everything Original Medicare Part A and Part B cover, and most include Part D drug coverage. Depending on the plan and area, 2027 Humana plans may also include:
- Routine dental, vision and hearing benefits
- An over-the-counter allowance for health products
- Fitness programs, such as SilverSneakers
- Transportation to medical appointments
- Meal benefits after a hospital stay
- Lower drug costs at Humana’s preferred pharmacies, including CenterWell Pharmacy
Not all plans offer all benefits, and allowance amounts can change from year to year. Check the specific 2027 benefits on any Humana plan you are considering.
How to Choose the Right Humana Plan
Start with your doctors, prescriptions and budget:
- Check the network. Confirm your doctors and hospitals are in the plan’s 2027 network, especially with HMO plans.
- Check your drugs. Make sure every medication is on the formulary and see what tier it is on.
- Compare total cost. Add the premium, deductibles and out-of-pocket maximum, not just the monthly premium.
- Compare extras. Look at the actual dental, vision, hearing and OTC dollar amounts.
- Compare other companies too. UnitedHealthcare, Aetna, Blue Cross and regional plans may offer a better fit in your area.
Use our guide to compare the costs of Humana Medicare Advantage plans, or see the best 2027 Medicare Advantage plans side by side.
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Understanding Cost Sharing and Coverage
With any Humana Medicare Advantage plan, you keep paying your Medicare Part B premium ($202.90 per month in 2026; the 2027 amount is announced in the fall), plus any plan premium. Many Humana plans have a $0 plan premium.
When you use care, you pay copays or coinsurance. Every Medicare Advantage plan, including Humana’s, has an annual out-of-pocket maximum for covered medical services. Once you reach it, the plan pays 100% of covered care for the rest of the year. That limit is one of the main advantages over Original Medicare, which has no cap.
For 2027, many plans are raising their out-of-pocket maximums and drug deductibles, and the Part D out-of-pocket cap rises to $2,400. Costs and benefits vary by location, so check the details of the specific plan in your area.
Special Needs Plans Offered by Humana
Humana offers Special Needs Plans (SNPs) in many areas:
- Dual-eligible SNPs (D-SNPs): for people with both Medicare and Medicaid, with benefits coordinated with your state Medicaid program
- Chronic condition SNPs (C-SNPs): for people with conditions such as diabetes, heart failure or COPD
How D-SNP benefits work with Medicaid depends on your state. In Florida, for example, Humana works with the state’s Agency for Health Care Administration on these plans. Humana is also pulling some dual-eligible plans from counties for 2027, so D-SNP members should check their notices carefully.
Steps to Enroll in a Humana Medicare Plan
You can enroll in a 2027 Humana Medicare plan during Annual Enrollment, October 15 to December 7, 2026, for coverage starting January 1, 2027.
- Have your Medicare card ready, with your Medicare number and Part A and Part B start dates.
- Compare 2027 Humana plans and other plans in your ZIP code.
- Confirm your doctors and drugs are covered.
- Enroll online or with a licensed agent by December 7.
If your current Humana plan is ending, you also have a Special Enrollment Period. If you are already in a Medicare Advantage plan, you can make one switch during the Medicare Advantage Open Enrollment Period, January 1 to March 31, 2027.
What to Do If Your Humana Plan Is Ending
If you are one of the roughly 600,000 Humana members whose plan is not renewing for 2027:
- Your Humana coverage continues through December 31, 2026.
- You can choose a new plan during Annual Enrollment, October 15 to December 7, 2026, and you also have a Special Enrollment Period.
- Humana may still offer a different plan in your area, and other companies likely do too.
- If you return to Original Medicare, add a Part D drug plan. You generally also have a guaranteed issue right to buy certain Medicare Supplement plans without health questions.
- If you do nothing, you will be moved to Original Medicare on January 1, 2027, without drug coverage.
Wondering about other companies? See Is Aetna leaving Medicare Advantage in 2027? and Medicare Advantage Plans 2027 for the full picture.
Summary
Humana remains one of the largest Medicare Advantage companies for 2027, offering HMO, PPO, Special Needs and Part D plans across most of the country. But 2027 brings real changes: about 600,000 members are losing their plans, Humana is leaving Minnesota and 57 counties, and many plans are raising out-of-pocket costs.
Whether your Humana plan is continuing or ending, compare your options during Annual Enrollment, October 15 to December 7, 2026. Check your doctors, drugs and total costs, and compare Humana against the other plans available in your ZIP code.
Frequently Asked Questions
→ Is Humana leaving Medicare Advantage in 2027?
No. Humana is still offering Medicare Advantage plans in most of the country for 2027. However, it is discontinuing plans covering roughly 600,000 members, pulling standard plans from 57 counties and exiting Minnesota.
→ What is the Medicare Part B premium for 2027?
The 2026 Part B premium is $202.90 per month and the Part B deductible is $283. CMS announces the 2027 amounts in the fall of 2026. You keep paying your Part B premium with any Humana Medicare Advantage plan.
→ What types of Humana Medicare plans are available for 2027?
Depending on your area, Humana offers Medicare Advantage HMO plans (Humana Gold Plus), PPO plans (HumanaChoice), plans for veterans (Humana USAA Honor), Special Needs Plans and standalone Part D drug plans.
→ What happens if my Humana plan is discontinued for 2027?
Your coverage continues through December 31, 2026. You can choose a new plan during Annual Enrollment or your Special Enrollment Period. If you do nothing, you will return to Original Medicare on January 1, 2027, without drug coverage.
→ What is the Part B giveback benefit?
Some Medicare Advantage plans, including some Humana plans in certain areas, reduce your Part B premium by a set amount each month, which shows up as a lower deduction from your Social Security check. Not all plans offer it, and the amount varies by plan and area.
→ How can I choose the right Humana plan for my needs?
Confirm your doctors are in network, check that your prescriptions are covered, and compare total costs, including the premium, deductibles and out-of-pocket maximum. Also compare Humana against other plans in your ZIP code.
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ZRN Health & Financial Services, LLC, a Texas limited liability company
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.