Humana Medicare Advantage Plans 2027

Reviewed by Russell Noga, Licensed Medicare Insurance Broker — Last updated September 6, 2026

As one of the largest Medicare Advantage carriers in the country, Humana Medicare Advantage plans for 2027 will likely be 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 what to expect from 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? See 2027 plans in your area.

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.

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 has announced it will exit 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 releases official star ratings each fall, and 2027 ratings won’t be published until October 2026. In the meantime, Humana’s most recent results — the 2026 Star Ratings, released by CMS in October 2025 — give a real picture of recent performance, and it’s worth being direct about it:

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 once 2027 ratings are released. A lower company-wide average doesn’t mean every Humana plan in every area is lower-rated.

Humana and Aetna are both major national Medicare Advantage carriers, and in many counties you’ll find plans from both to choose between. 2027 star ratings aren’t out yet, but the most recent full data set — CMS’s 2026 Star Ratings — shows a clear gap between the two carriers worth knowing about:

Based on the 2026 ratings cycle, Aetna outperformed Humana on the share of members enrolled in top-rated plans.

That said, ratings are specific to the individual plan and county, not the company as a whole — a specific Humana plan in your area could still be highly rated even if the company average is lower nationally, and Humana has publicly signaled it expects improvement in upcoming rating cycles. 2027 ratings, released this coming October, could shift the picture in either direction.

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 here.

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

• Monthly premium: Humana may offer $0 premium Medicare Advantage plans in many areas, though this varies by county — you’ll still pay your Medicare Part B premium separately
• Deductibles & copays: vary by specific plan; confirm against the plan’s Summary of Benefits
• Out-of-pocket maximum: capped annually, as required for all Medicare Advantage plans

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.

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

In many areas, Humana may offer $0 monthly premium Medicare Advantage plans, though availability depends on your specific ZIP code and county. You’ll still need to pay your Medicare Part B premium regardless of which plan you choose.

➤What’s the difference between Humana Gold Plus (HMO) and Humana Choice (PPO)?

Humana Gold Plus, an HMO, requires staying in-network and typically needs referrals for specialists, usually at a lower cost. Humana Choice, a PPO, allows out-of-network care at a higher cost and generally doesn’t require referrals, offering more flexibility.

➤How does Humana’s star rating compare to other carriers like Aetna?

For the 2026 plan year, Aetna outperformed Humana on CMS star ratings — about 20% of Humana’s members are in 4-star or higher plans, compared to over 81% for Aetna. Humana has stated it expects improvement in the 2027 ratings, which CMS will release in October 2026.

➤Does Humana include the SilverSneakers fitness program?

Many Humana Medicare Advantage plans may include SilverSneakers, a fitness benefit that provides access to a nationwide network of participating gyms and fitness locations, at no extra cost on qualifying plans.

➤When can I enroll in a Humana Medicare Advantage plan for 2027?

You can enroll in or switch to a Humana Medicare Advantage plan during the Medicare Annual Enrollment Period, October 15 – December 7, 2026, for coverage effective January 1, 2027. If you’re new to Medicare, you may also be eligible to enroll during your Initial Enrollment Period.