Humana Medicare Advantage Plans for 2027: Benefits, Costs and Enrollment

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Updated: November 6, 2026 | Coverage Year: 2027 | Country: United States

Quick Answer: What Is Humana Offering for 2027?

Humana Medicare Advantage plans for 2027 are available in approximately 2,600 counties across 45 states and Washington, D.C., according to Humana’s October 2026 announcement.

Offerings include HMO, PPO and eligible Special Needs Plans, with $0 or low monthly premium options in certain areas. Depending on the plan, benefits may include prescription drugs, dental, vision, hearing, $0 in-network primary care visits and routine laboratory services.

Enrollment: October 15 through December 7, 2026, for coverage beginning January 1, 2027.

Compare plans: Visit Medicare.gov Plan Finder and enter your ZIP code.

What’s New With Humana Medicare Advantage in 2027?

Humana announced its 2027 Medicare Advantage offerings on October 1, 2026, emphasizing affordable premiums, preventive care and supplemental benefits.

The company says its Medicare Advantage plans will be available across more than 80% of U.S. counties.

2027 Feature	Confirmed Information
Geographic availability	Approximately 2,600 counties in 45 states and Washington, D.C.
Monthly premiums	$0 or low-premium plans available in eligible areas
Primary care	$0 in-network primary care copays in eligible plans
Routine laboratory services	New access to $0 in-network routine lab services
Prescription drugs	$0 copays for hundreds of medications in eligible plans
Dental, vision and hearing	Supplemental coverage offered, with plan-specific limits
Chronic Condition SNPs	Expanded into Pennsylvania, Utah and Wisconsin
Coverage start	January 1, 2027, for Annual Enrollment Period selections

These are company-wide highlights, not a guarantee that each individual Humana plan includes every benefit.

Types of Humana Medicare Advantage Plans for 2027

1. Humana HMO Plans

Health Maintenance Organization plans generally use a defined provider network.

Members typically receive the lowest covered-service costs when using in-network providers. Except for emergency care, urgent care and other qualifying situations, out-of-network care may not be covered.

Some HMO plans require referrals to see certain specialists.

2. Humana PPO Plans

Preferred Provider Organization plans generally offer more flexibility in choosing healthcare providers.

Members can often receive covered care outside the preferred network, although out-of-network cost-sharing may be higher.

A PPO may be worth comparing if you travel frequently or use specialists who are not in an HMO network.

3. Humana Special Needs Plans

Special Needs Plans are designed for people who meet specific eligibility requirements.

D-SNP: For eligible people who have both Medicare and Medicaid.
C-SNP: For people with qualifying chronic medical conditions.
I-SNP: For eligible people requiring institutional or equivalent levels of care.

Humana confirmed that its 2027 Chronic Condition Special Needs Plan footprint is expanding into Pennsylvania, Utah and Wisconsin.

Availability and eligibility depend on the particular plan and service area.

4. Humana PFFS Plans

Private Fee-for-Service plans may be available in selected areas.

These plans have different provider acceptance and payment rules. Check whether a healthcare provider accepts the plan’s terms before receiving non-emergency care.

How Much Do Humana Medicare Advantage Plans Cost in 2027?

There is no single nationwide premium for Humana Medicare Advantage plans.

The amount you pay depends on the specific plan, your ZIP code, and your healthcare and prescription drug needs.

Some Humana plans have a $0 monthly plan premium. However, most beneficiaries must continue paying their Medicare Part B premium unless they qualify for assistance or a plan-specific reduction.

Cost	What to Check
Monthly plan premium	May be $0 or another amount depending on plan
Medicare Part B premium	Generally paid separately unless assistance or a reduction applies
Medical deductible	Varies by plan
Primary care copay	$0 in eligible in-network plans
Specialist copay	Depends on the plan and provider network
Hospital costs	Review inpatient and outpatient cost-sharing
Drug costs	Depend on formulary, tier, pharmacy and coverage rules
Maximum out-of-pocket	Plan-specific annual limit for covered medical services

Important: A $0 monthly premium does not mean free healthcare. Deductibles, copayments, coinsurance, drug costs and network restrictions may still apply.

Humana Medicare Advantage Dental Benefits for 2027

Humana continues to highlight dental benefits in its Medicare Advantage offerings.

Depending on the plan, dental coverage may include:

Routine oral examinations.
Dental cleanings.
Dental X-rays.
Fillings or other restorative procedures.
Additional services subject to plan limits.

Not every plan covers major dental work such as crowns, dentures or implants.

Check the annual dental allowance, covered procedures, participating dentists and any frequency limits.

Humana Vision and Hearing Benefits

Many Humana Medicare Advantage plans provide supplemental vision and hearing benefits.

Vision coverage may include routine eye exams and an allowance toward eligible eyewear.

Hearing coverage may include hearing examinations or hearing-aid benefits.

Allowances, copays and provider requirements vary.

Before enrolling, review whether your preferred optometrist, ophthalmologist or hearing provider participates in the plan.

Humana Prescription Drug Coverage in 2027

Many Humana Medicare Advantage plans include Medicare Part D prescription drug coverage.

Humana says eligible 2027 plans continue to offer $0 copays for hundreds of prescription medications.

However, the actual cost of a medication depends on the plan’s formulary, pharmacy network and coverage rules.

Before selecting a plan:

Prepare a list of your current prescriptions.
Record the dosage and frequency for each medication.
Check whether each drug appears on the 2027 formulary.
Review drug tiers and applicable cost-sharing.
Check prior authorization, quantity limits or step therapy requirements.
Compare preferred and standard pharmacy costs.

Use Medicare.gov to estimate annual drug costs rather than comparing only monthly premiums.

Humana Medicare Advantage 2027 Star Ratings

Humana announced improved Medicare Advantage Star Ratings for 2027 on October 9, 2026.

According to the company, 95% of its Medicare Advantage members are enrolled in contracts rated four stars or higher for 2027.

Humana also reported that 42% of members are enrolled in contracts rated 4.5 stars.

CMS Star Ratings use a five-star scale and assess factors such as healthcare quality, member experience and customer service.

Remember: These company-wide membership figures do not mean that every Humana plan has a four-star rating. Check the exact contract and plan in Medicare Plan Finder.

Is Humana Medicare Advantage Available in My State?

Humana’s announced 2027 footprint includes approximately 2,600 counties across 45 states and Washington, D.C.

However, statewide availability does not mean every county or ZIP code has a Humana Medicare Advantage option.

To check your location:

Visit Humana’s official Medicare website.
Select the option to shop 2027 plans.
Enter your ZIP code.
Review the available HMO, PPO and Special Needs Plans.
Confirm your doctors, prescriptions, premiums and benefits.

You can also compare Humana against other insurers through Medicare.gov.

Humana Medicare Advantage 2027 Enrollment Dates

Event	Date
2027 plan shopping begins	October 2026
Annual Enrollment Period begins	October 15, 2026
Annual Enrollment Period ends	December 7, 2026
New coverage begins	January 1, 2027
Medicare Advantage Open Enrollment	January 1–March 31, 2027

During the Annual Enrollment Period, eligible Medicare beneficiaries can enroll in, switch or leave a Medicare Advantage plan for the following year.

The Medicare Advantage Open Enrollment Period from January through March is generally available to people already enrolled in Medicare Advantage and permits a qualifying one-time change.

Other enrollment periods may apply based on individual circumstances.

How to Enroll in a Humana Medicare Advantage Plan for 2027

Step 1: Confirm Medicare Eligibility

Most people must have Medicare Part A and Part B and live within the plan’s service area to join Medicare Advantage.

Step 2: Search by ZIP Code

Visit Medicare Plan Finder and select 2027 coverage.

Step 3: Compare Plans

Review premiums, medical costs, provider networks, prescription drugs, Star Ratings and supplemental benefits.

Step 4: Read Official Plan Documents

Check the Summary of Benefits, Evidence of Coverage, provider directory and drug formulary for the exact plan.

Step 5: Submit Your Enrollment Request

Apply through Medicare.gov, Humana or an authorized enrollment channel during an eligible enrollment period.

Step 6: Confirm Your Coverage

Save your enrollment confirmation and verify the effective date and member information.

Humana Medicare Advantage vs. Original Medicare

Feature	Humana Medicare Advantage	Original Medicare
Coverage structure	Private plan providing Medicare-covered Part A and Part B benefits	Federal Medicare Part A and Part B
Provider access	Network and plan rules may apply	Any provider accepting Medicare
Prescription drugs	Often included in MA-PD plans	Usually requires separate Part D plan
Dental, vision, hearing	May include supplemental coverage	Routine services generally not covered
Annual medical out-of-pocket limit	Yes, for covered Part A and Part B services	No annual limit without supplemental coverage
Travel flexibility	Depends on plan network and coverage rules	Broad access to Medicare-participating providers nationwide

Medicare Advantage may suit people who value coordinated coverage and additional benefits, while Original Medicare may offer greater provider flexibility.

There is no single best option for everyone.

What Current Humana Members Should Check Before 2027

If you already have a Humana Medicare Advantage plan, review your Annual Notice of Change for 2027.

Pay particular attention to:

Monthly premium changes.
Medical and prescription deductibles.
Doctor and hospital network participation.
Prescription drug formulary changes.
Dental and vision allowances.
Maximum out-of-pocket limits.
Prior authorization requirements.
Whether your current plan continues in 2027.

Do not assume your 2026 benefits will remain identical in 2027.

How to Contact Humana Medicare

Humana’s official Medicare website provides plan shopping tools and licensed sales agent assistance.

2027 Medicare sales assistance: 1-800-213-5286 (TTY: 711), as listed in Humana’s October 9, 2026 announcement.

Hours listed in that announcement: 8 a.m. to 8 p.m. local time, seven days a week.

For impartial Medicare plan comparisons, contact 1-800-MEDICARE (1-800-633-4227) or visit Medicare.gov.

Always verify current contact details on the official websites.

Frequently Asked Questions

Are Humana Medicare Advantage plans available for 2027?

Yes. Humana announced its 2027 plans on October 1, 2026, with availability across approximately 2,600 counties.

Does Humana offer $0 premium Medicare Advantage plans in 2027?

Yes, $0 premium options are available in eligible areas. Availability depends on ZIP code and plan eligibility. Most beneficiaries must still pay the Medicare Part B premium.

Will Humana Medicare Advantage cover dental in 2027?

Humana continues to offer dental benefits, but covered procedures, allowances and limits vary by plan.

Does Humana Medicare Advantage include prescription drugs?

Many plans include Part D coverage. Check the exact plan and formulary before enrolling.

Are Humana PPO plans available in 2027?

Humana offers PPO plans as part of its Medicare Advantage portfolio, subject to local availability.

What are the Humana Medicare Advantage enrollment dates for 2027?

The Annual Enrollment Period runs from October 15 through December 7, 2026, with selected coverage generally starting January 1, 2027.

Can I keep my current Humana plan in 2027?

That depends on whether your plan continues in your service area and whether you remain eligible. Review your Annual Notice of Change.

How do I find Humana Medicare Advantage providers for 2027?

Use the provider directory for your exact Humana plan and confirm participation directly with the doctor’s office before receiving non-emergency care.

Are all Humana plans rated four stars or higher?

No. Humana’s 95% statistic refers to the proportion of members enrolled in four-star-or-higher contracts, not every available plan.

Where can I compare Humana 2027 plans?

Use Medicare.gov Plan Finder or Humana’s official Medicare website. Enter your ZIP code to see local options.

Official Sources

Related Medicare Guides

Explore additional Medicare and government benefits coverage through Seminarsonly News.

TL;DR: Humana Medicare Advantage Plans for 2027

Humana confirmed 2027 Medicare Advantage offerings in approximately 2,600 counties.
Plans include HMO, PPO and eligible Special Needs Plan options.
$0 or low monthly premium options are available in certain locations.
Dental, vision, hearing and prescription drug benefits depend on the plan.
Eligible plans offer $0 in-network primary care and routine lab services.
Humana expanded C-SNP availability into three additional states.
Annual Enrollment runs October 15–December 7, 2026.
Coverage generally begins January 1, 2027.
Use Medicare.gov to verify local plan costs, networks and benefits.

Bottom line: Humana offers multiple Medicare Advantage options for 2027, but the best choice depends on your ZIP code, doctors, medications, health needs and total annual costs.

Editorial disclosure: This is an independent educational article, not insurance sales advice. Seminarsonly.com is not affiliated with or endorsed by Humana, CMS or the federal Medicare program. Information verified against official Humana and CMS announcements available as of November 6, 2026. Plan benefits and eligibility vary by location.