Humana Medicare Advantage Plans 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker — Last updated October 14, 2026

As one of the largest Medicare Advantage carriers in the country, Humana Medicare Advantage plans for 2027 are offered in all 50 states with a mix of HMO and PPO options, possible $0 premium options in some areas, and possible extra benefits that may include dental, vision, and the SilverSneakers fitness program.

This page walks through Humana’s 2027 lineup, how its HMO and PPO plans differ, how Humana has performed on recent quality ratings, and what coverage typically costs.

For the full picture on how Medicare Advantage works, plan types, star ratings, and enrollment timing across every carrier, see our complete 2027 Medicare Advantage guide. Ready to compare Humana against other carriers in your ZIP code? Use the button below to see 2027 plans in your area.

Are you a veteran, or want part of your Part B premium back? See our guide to Humana USAA Honor Giveback plans for 2027, including which versions include drug coverage and the 45 states where they’re sold.

In Florida, Humana also sells Medicare Advantage plans under the CarePlus name, including 9 Part B giveback plans for 2027. See our guide to CarePlus Medicare Advantage plans 2027.

2027 STAR RATINGS UPDATE — OCTOBER 9, 2026

Humana’s star ratings rebounded sharply for 2027. About 95% of Humana Medicare Advantage members are now in plans rated 4 stars or higher, up from about 20% for 2026.

Ratings are assigned per contract, not per company, so check the rating on the specific plan sold in your county. The national average for 2027 is 3.99 stars. See the full 2027 Medicare Advantage star ratings breakdown.

Humana sells its Medicare Advantage plans under a few plan families. The exact 2027 lineup, premiums and benefits vary by county, and Humana is discontinuing plans covering roughly 600,000 members for 2027, so not every plan below will be offered where you live. These are the Humana plan names you are most likely to see when you compare 2027 plans:

Plan names alone will not tell you what a plan costs in your county. The same plan family can have a different premium, out-of-pocket maximum and drug list from one county to the next. To see which 2027 Humana Medicare Advantage plans are available in your area, with their actual costs and benefits, enter your ZIP code at the top of this page.

Humana is making some of the largest Medicare Advantage reductions of any carrier for the 2027 plan year. Plan-level data for 2027 went public on October 1, 2026, and Humana’s non-renewal letters are dated October 2, so the picture is now much clearer. Here is where each piece stands today.

Humana is not alone in reducing its footprint. Our guide to which Medicare Advantage plans are going away in 2027 covers what the rest of the industry has announced, and the 2027 carrier comparison shows how Humana stacks up against the alternatives if you need to move.

Humana’s flagship HMO product, Humana Gold Plus, requires you to use in-network providers and get referrals from your primary care doctor to see specialists. HMO plans make up the majority of Humana’s Medicare Advantage lineup nationally, and they typically carry lower premiums and lower out-of-pocket costs than Humana’s PPO options in the same area.

Humana HMO plans tend to be a strong fit if you’re comfortable coordinating care through a primary doctor, don’t need frequent out-of-network or specialist access, and want to keep monthly costs as low as possible.

For the full breakdown — what Gold Plus includes, what it costs, star ratings and the five things to check before enrolling — see our guide to Humana Gold Plus HMO plans.

Humana’s PPO product, Humana Choice, offers more flexibility than its HMO plans — you can see out-of-network providers at a higher cost, and referrals generally aren’t required to see specialists. That suits people who travel, split time between two states, or want a broader choice of doctors without prior approval.

The trade-off is a second spending ceiling. A PPO has both an in-network cap and a higher combined cap that counts out-of-network care. Most Humana PPO members nationwide fall under contract H5216, rated 3.5 stars for 2026 — and Humana is exiting plans covering roughly 600,000 members for 2027.

For the full breakdown — the 2027 exits, star ratings, spending caps, and costs — see our guide to Humana Medicare Advantage PPO 2027.

Like all Medicare Advantage plans, every Humana Medicare Advantage plan is required to cover everything Original Medicare Part A and Part B cover. In 2027, Humana may add on top of that baseline, depending on the plan and area:

Exact benefits, allowance amounts, and whether a given plan includes each item depend entirely on the specific plan and your ZIP code, and not all plans offer all benefits — always confirm against the plan’s actual Summary of Benefits before enrolling.

CMS released the 2027 star ratings in October 2026, and Humana’s rebounded sharply: about 95% of its members are now in plans rated 4 stars or higher, with 18 contracts at 4 stars or above, six of them at 4.5, and about 42% of members in 4.5-star plans. That recovery follows a rough stretch, and it’s worth being direct about where Humana stood for 2026:

Star ratings are calculated per plan and per county, not company-wide — so the most useful number is the rating for the specific Humana plan available in your ZIP code, which you can look up directly on Medicare.gov’s Plan Finder. A lower company-wide average doesn’t mean every Humana plan in every area is lower-rated.

For how the ratings are calculated and where every major carrier stands against Humana for 2027, see our guide to the Medicare Advantage star ratings.

Humana and Aetna are both major national Medicare Advantage carriers, and in many counties you’ll find plans from both to choose between. Their star ratings swung in opposite directions for 2027:

On the 2026 ratings, Aetna outperformed Humana on the share of members enrolled in top-rated plans. For 2027 that reversed: about 95% of Humana members are now in plans rated 4 stars or higher, against more than 69% for Aetna. On 2027 plan reductions, Humana is cutting far more plans, while Aetna is exiting more counties outright.

That said, ratings are specific to the individual plan and county, not the company as a whole — a specific Aetna or Humana plan in your area can rate well above or below its company average.

The most reliable way to compare the two isn’t a general “Humana vs. Aetna” verdict — it’s checking the specific plans each carrier offers in your ZIP code side by side. See our Aetna Medicare Advantage plans page for a closer look at what Aetna offers for 2027, or compare both by ZIP code below.

Comparing regional carriers too? See how Humana stacks up against Blue Cross Medicare Advantage plans for 2027.

A $0 premium doesn’t automatically make a plan the cheapest option overall. Weigh the full picture — premium, deductible, copays, and whether your specific prescriptions and doctors are covered — before comparing Humana against other carriers on price alone.

You can enroll in a Humana Medicare Advantage plan during a few different windows, depending on your situation:

You can enroll in a Humana Medicare Advantage plan directly through Humana, through Medicare.gov, or by speaking with a licensed insurance agent who can compare Humana’s specific 2027 plans in your ZIP code against other carriers — call 1-855-454-9051 (TTY 711) to get started.

Humana tends to be a strong fit for people who want the widest possible plan availability — it’s the only major carrier offering Medicare Advantage in all 50 states — along with a supplemental benefits package that may include SilverSneakers and a meaningful OTC allowance, depending on the plan.

HMO plans (Humana Gold Plus) suit those prioritizing lower cost and comfortable coordinating care through a primary doctor; PPO plans (Humana Choice) suit those who want more flexibility to see specialists or out-of-network providers.

As with any carrier, the right choice ultimately comes down to whether your specific doctors are in-network, whether your prescriptions are covered at a reasonable tier, and whether the plan’s total costs fit your budget — not the carrier name alone.

For a full breakdown of how to evaluate any Medicare Advantage plan, including provider networks, drug formularies, and star ratings, see our 2027 Medicare Advantage plans guide.