Humana Is Ending Select Medicare Advantage Plans For 2027, a change expected to affect approximately 600,000 members across the United States. Although Humana will continue offering Medicare Advantage coverage in many locations, affected seniors may need to select a replacement plan, review prescription coverage, and confirm their doctors remain in-network.
Humana is making changes to its Medicare Advantage business as the company reassesses plan performance, healthcare costs, and profitability.
During its July 29, 2026 earnings discussion, Humana indicated that its planned 2027 exits would affect approximately 600,000 members. That represents around 8% of its Medicare Advantage membership.
The company is focusing on improving the financial performance of its insurance business rather than withdrawing from the entire Medicare Advantage market.
Humana expects to retain a portion of affected members by offering them other Humana plans where available. The company has indicated that it hopes to retain approximately 40% of members affected by the changes.
That means many customers may still have an opportunity to choose another Humana plan. However, they should not assume that a replacement plan will offer the same benefits, doctors, hospitals, or prescription coverage.
Read the latest company information: Humana Medicare Advantage Plans
The estimated 600,000-member impact is one of the most significant parts of Humana's 2027 Medicare Advantage changes.
The company is discontinuing selected plans rather than canceling all Medicare Advantage coverage.
Humana expects to retain roughly 40% of affected members in other available plans. Based on that estimate, approximately 240,000 members could remain with Humana, while around 360,000 may need to consider coverage from another insurer or Original Medicare.
These figures are estimates, not a guarantee of what will happen to individual members.
Importantly, the affected plans are not necessarily the same in every state or county. Medicare Advantage availability depends on the service area, plan contract, and options offered for the coming year.
Members should rely on their official plan nonrenewal notice rather than assuming they are affected because they saw a national news report.
Humana members should carefully review the official notices sent by their insurance provider.
A plan nonrenewal notice is different from a routine annual benefits update.
The Annual Notice of Change (ANOC) explains changes to an existing plan, including premiums, copayments, covered services, provider networks, and prescription benefits.
A nonrenewal notice informs members that their current plan will not be available for the following plan year.
Members should check the following information:
Whether their current plan is being discontinued.
The date their existing coverage ends.
Whether Humana offers another plan in their county.
Whether they need to choose a new insurance provider.
What enrollment deadlines apply to their situation.
Humana's 2027 plan changes have been discussed publicly, but members should use their individual notices to confirm whether their particular plan is affected.
The announcement does not mean Humana is completely leaving Medicare Advantage.
In its October 1, 2026 announcement, Humana said it planned to offer Medicare Advantage coverage in approximately 2,600 counties across 45 states and Washington, D.C.
The company also highlighted several features of its 2027 offerings, including:
Eligible plans with $0 in-network primary care visits.
$0 in-network routine lab services in eligible plans.
Dental, vision, and hearing benefits.
Prescription drug coverage in applicable Medicare Advantage prescription drug plans.
Chronic Condition Special Needs Plans in selected locations.
Plans with $0 or low monthly premiums.
These benefits are not available in every Humana plan. Coverage, provider networks, and costs depend on the specific plan and location.
For affected members, the important question is whether another Humana plan is available in their county and whether it meets their healthcare needs.
Explore Humana's 2027 announcement: Humana 2027 Medicare Advantage Plan Information
Medicare's Annual Enrollment Period runs from October 15 through December 7, 2026.
This is the main opportunity for Medicare beneficiaries to review their coverage and choose a plan for 2027.
Members whose Humana plans are ending should compare available options rather than automatically selecting the first replacement offered.
Here are some important steps:
Step 1: Read the nonrenewal notice
Confirm whether the current plan is ending and identify the final date of coverage.
Step 2: Compare replacement plans
Use Medicare's official Plan Finder to compare available Medicare Advantage plans and Original Medicare options in your ZIP code.
Step 3: Check your doctors
Confirm that your primary care doctor, specialists, hospitals, and preferred healthcare facilities participate in the replacement plan's network.
Step 4: Review prescription coverage
Check whether your medications are included in the plan's formulary. Also compare pharmacy networks, copayments, deductibles, and restrictions.
Step 5: Compare total costs
Do not look only at monthly premiums. Review annual deductibles, specialist copayments, hospital costs, prescription expenses, and the maximum out-of-pocket limit.
Step 6: Complete enrollment on time
If your plan is ending, make sure you understand which enrollment period applies and when your replacement coverage begins.
Official resource: Medicare Plan Finder
Yes. Beneficiaries whose current plans are ending can generally select another Medicare Advantage plan available in their service area.
Some affected members may find another Humana plan that meets their requirements. Others may prefer to compare coverage from competing insurers.
When comparing plans, seniors should pay particular attention to:
Monthly premiums.
Annual deductibles.
Primary care and specialist copayments.
Hospital and emergency care costs.
Prescription drug coverage.
Dental, vision, and hearing benefits.
Provider and pharmacy networks.
Maximum out-of-pocket expenses.
A replacement plan with a $0 monthly premium is not automatically the best option. Higher copayments, limited provider networks, or different prescription costs can make another plan more expensive over the year.
Yes. People affected by a Medicare Advantage plan nonrenewal may choose to return to Original Medicare.
Original Medicare includes Part A hospital insurance and Part B medical insurance.
However, beneficiaries should understand that Original Medicare does not automatically include a standalone Part D prescription drug plan, routine dental coverage, or many additional benefits commonly advertised by Medicare Advantage plans.
Someone moving back to Original Medicare may want to consider:
A standalone Medicare Part D plan for prescription drugs.
A Medicare Supplement Insurance policy, also called Medigap.
Separate dental, vision, or hearing coverage if needed.
Medigap eligibility and enrollment protections can be especially important when an insurer ends a Medicare Advantage plan.
Under federal guaranteed-issue rules, certain beneficiaries whose Medicare Advantage coverage is involuntarily terminated may have the right to purchase specified Medigap policies without medical underwriting. The applicable window generally begins 60 days before the Medicare Advantage coverage ends and continues for 63 days after it ends.
Rules can differ depending on the circumstances and state protections. Members should contact their State Health Insurance Assistance Program (SHIP) or state insurance department promptly to confirm their rights and deadlines.
Yes. Beneficiaries whose Medicare Advantage plans are not renewed may qualify for a Special Enrollment Period.
For affected members, Medicare's published guidance provides an additional enrollment opportunity beginning December 8, 2026, and continuing through the last day of February 2027.
This gives eligible members additional time to select coverage after the regular Annual Enrollment Period closes.
However, waiting until the last minute is not recommended. Members should confirm their specific eligibility, enrollment dates, and effective coverage date with Medicare.
They should also make sure prescription drug coverage is in place if they are moving to Original Medicare.
Learn more: Medicare Special Enrollment Periods
One of the biggest mistakes seniors can make when changing Medicare Advantage plans is focusing only on the monthly premium.
A replacement plan may have a different provider network or prescription formulary.
For example, a specialist who accepted a member's previous Humana plan may not participate in another Humana product. Similarly, a medication that had a low copayment in 2026 may have a different cost or coverage restriction in 2027.
Before enrolling, beneficiaries should:
Contact their doctors to verify network participation.
Check their hospitals and preferred pharmacies.
Review every regular prescription.
Confirm prior authorization requirements.
Compare drug tiers and copayments.
Check the plan's annual out-of-pocket maximum.
These details can make a major difference to healthcare access and yearly expenses.
No. Humana is discontinuing selected plans, with approximately 600,000 members expected to be affected. The company says it will continue offering Medicare Advantage coverage across many U.S. counties.
Humana estimates that approximately 600,000 members will be affected by its 2027 plan exits.
Members should not assume their coverage will automatically transfer to an identical replacement. Review the nonrenewal notice and contact Humana to understand the available options.
The 2026 Annual Enrollment Period ends December 7, 2026. Changes made during this period generally take effect January 1, 2027.
Yes. Eligible beneficiaries can compare other Medicare Advantage plans available in their area or consider returning to Original Medicare.
Some beneficiaries whose Medicare Advantage coverage is involuntarily terminated have federal guaranteed-issue rights to purchase certain Medigap policies. The deadlines and available protections depend on the circumstances and state rules.
Humana Is Ending Select Medicare Advantage Plans For 2027, and approximately 600,000 members could be affected by the changes. Although the insurer will continue offering coverage in many locations, affected seniors should review their nonrenewal notices, compare replacement plans, and check their doctors and prescription medications before enrolling. With the December 7, 2026 deadline approaching, reviewing coverage early can help prevent unexpected healthcare costs or interruptions.