Humana Gold Choice PFFS Plans 2027: Where They're Sold and How They Work

Key Takeaway

Humana Gold Choice shrinks to 7 plans for 2027, but it is still the largest PFFS line in the country: Humana sells 7 of the 11 individual PFFS plans in CMS’s 2027 data.

Private Fee-for-Service works differently from an HMO or PPO:

Comparing CMS’s 2026 and 2027 plan data:

The names are close, but the plans work differently:

If you want out-of-network coverage with a set network, Humana’s PPO line is HumanaChoice PPO.

➤ What is Humana Gold Choice?

Humana Gold Choice is Humana’s Private Fee-for-Service (PFFS) Medicare Advantage plan. Providers who accept the plan’s terms can treat you without a referral.

➤ Is Humana Gold Choice a PPO or HMO?

Neither. Humana Gold Choice is a PFFS plan. Humana’s HMO line is Humana Gold Plus, and its PPO line is HumanaChoice.

➤ Is Humana Gold Choice a Medicare Advantage plan?

Yes. Humana Gold Choice is a Medicare Advantage plan, also called Medicare Part C. It replaces Original Medicare for your hospital and medical coverage.

➤ How many Humana Gold Choice plans are there for 2027?

CMS’s 2027 plan data lists 7 individual Humana Gold Choice plans, down from 11 in 2026. The plans available to you depend on your county.

➤ Where is Humana Gold Choice sold in 2027?

Humana Gold Choice is sold in 542 counties in 17 states, led by Virginia, Missouri, Illinois, Georgia and Texas.

➤ Which Humana Gold Choice plans are ending for 2027?

Humana Gold Choice H8145-032, H8145-055, H8145-084 and H8145-163 (PFFS) are not in CMS’s 2027 data. Members need to choose a new plan by December 7, 2026.

➤ Can any doctor accept Humana Gold Choice?

Any Medicare-approved provider can choose to accept the plan’s terms, but they don’t have to, and they can decide visit by visit. Ask before each appointment.

➤ Does Humana Gold Choice include drug coverage?

PFFS plans may or may not include Part D drug coverage. Check the plan’s 2027 Summary of Benefits. If it doesn’t, you can usually join a separate Medicare drug plan.

➤ What is the difference between Humana Gold Choice and Humana Gold Plus?

Humana Gold Choice is a PFFS plan where providers decide whether to accept the plan’s terms. Humana Gold Plus is an HMO where you generally use the plan’s network.

➤ When can I enroll in Humana Gold Choice for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you’re already in a Medicare Advantage plan, you can also make one change from January 1 to March 31, 2027.