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

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 13, 2026

Humana Gold Choice is Humana’s Private Fee-for-Service (PFFS) Medicare Advantage plan. It isn’t an HMO or a PPO. A PFFS plan sets how much it pays doctors and hospitals, and providers can decide whether to accept the plan’s terms.

CMS’s 2027 plan data lists 7 individual Humana Gold Choice plans, down from 11 in 2026, in 542 counties across 17 states. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

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.

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Humana Gold Choice PFFS plans for 2027: 7 plans in 17 states, 4 plans ending, how PFFS works and how it compares to Humana Gold Plus.

Humana Gold Choice Plans for 2027

Each Humana Gold Choice plan is named by its plan ID. These are the 2027 plans and where each one is sold:

Plan States Counties
Humana Gold Choice H8145-006 (PFFS) Iowa, Illinois, Kansas, Michigan, Missouri, Montana, Oklahoma, Wisconsin 199
Humana Gold Choice H8145-126 (PFFS) Arkansas, Illinois, Kansas, Missouri, Oklahoma, Texas 207
Humana Gold Choice H8145-004 (PFFS) North Carolina, Virginia 63
Humana Gold Choice H8145-052 (PFFS) Kentucky, Pennsylvania, West Virginia 59
Humana Gold Choice H8145-069 (PFFS) Georgia, South Carolina 59
Humana Gold Choice H8145-042 (PFFS) Virginia 43
Humana Gold Choice H8145-091 (PFFS) Southwest Virginia 11

Source: CMS 2027 Plan Benefit Package and plan service area data, individual (non-employer) plans.

Virginia has the most Humana Gold Choice counties (70), followed by Missouri (67), Illinois (52), Georgia (47) and Texas (41). Not every plan is sold in every county, so check by ZIP code. For Humana’s full 2027 lineup, see our guide to Humana Medicare Advantage plans.

How a PFFS Plan Works

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

How Gold Choice works

1

You can see any Medicare-approved provider who accepts the plan’s terms. You generally don’t need a referral to see a specialist.
2

Providers decide visit by visit. A doctor or hospital can choose whether to accept the plan’s terms each time you get care, so confirm before each visit.
3

The plan sets what you pay. Your copays and coinsurance are set by the plan, up to its yearly out-of-pocket limit.
4

Drug coverage may or may not be included. If a PFFS plan doesn’t include Part D, you can usually join a separate Medicare drug plan.

Good to know: In an emergency, providers must treat you whether or not they accept the plan’s terms. Outside emergencies, always ask first.

What Changed for Humana Gold Choice in 2027

Comparing CMS’s 2026 and 2027 plan data:

7 plans, down from 11

Four Gold Choice plans are not in CMS’s 2027 data: H8145-032, H8145-055, H8145-084 and H8145-163.

Still in 17 states

The remaining plans cover 542 counties, mostly rural areas in the South and Midwest.

PFFS is shrinking

CMS’s data shows 11 individual PFFS plans nationwide for 2027, down from 22 in 2026.

Good to know: If your Gold Choice plan ends, read your Annual Notice of Change and pick a new plan by December 7. See Humana Medicare Advantage plans ending in 2027.

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Humana Gold Choice PFFS plans 2027 overview: 7 plans, down from 11, sold in 17 states and 542 counties, 7 of 11 U.S. PFFS plans

Humana Gold Choice vs Humana Gold Plus

The names are close, but the plans work differently:

Humana Gold Choice (PFFS)

No provider network in the usual sense. You can see providers who accept the plan’s terms, and they decide visit by visit.

Humana Gold Plus (HMO)

You generally use the plan’s network and need a primary care doctor. See Humana Gold Plus plans.

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

Who Humana Gold Choice Fits

A good fit if you:

✔Live in a rural county with few HMO or PPO networks
✔Want to see doctors without referrals
✔See providers who already accept Humana PFFS terms
✔Travel within the plan’s service area

Look harder at other options if you:

✔Want the certainty of a set network
✔Use doctors who may not accept PFFS terms
✔Have both Medicare and Medicaid and want a dual-eligible plan

Before You Enroll: 2027 Checklist

Your 2027 checklist

1

Confirm your county. Gold Choice is sold in 542 counties in 17 states.
2

Ask your doctors. Make sure they accept Humana Gold Choice PFFS terms.
3

Check drug coverage. Confirm whether the plan includes Part D.
4

Read your Annual Notice of Change. Four Gold Choice plans end for 2027.
5

Mark the dates. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

Free help: For free, unbiased counseling, contact your State Health Insurance Assistance Program (SHIP). You can also call 1-800-MEDICARE.

Compare Humana Medicare Advantage Plans for 2027

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Humana Gold Choice 2027 — Frequently Asked Questions

➤ 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.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195 (TTY 711), Mon–Fri 8am–9pm EST.

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