Humana Medicare Advantage Plans for 2027: What’s New?
Humana’s 2027 Medicare Advantage plans are now available to preview ahead of Medicare Open Enrollment. Humana says it will offer Medicare Advantage coverage in approximately 2,600 counties across 45 states and Washington, D.C. for 2027. Depending on location and eligibility, options include HMO, PPO, Special Needs Plan (SNP) and PFFS plans. Humana says its 2027 offerings include $0 or low-premium plans, dental, vision and hearing benefits, and eligible plans with $0 in-network primary-care copays. Exact premiums and benefits vary by ZIP code and plan.
Are Humana Medicare Advantage Plans Available for 2027?
Yes.
Humana officially announced its 2027 Medicare Advantage offerings on October 1, 2026.
Consumers can now preview Humana’s 2027 Medicare Advantage options before Medicare’s annual Open Enrollment Period begins.
Humana says its Medicare Advantage plans will be offered in approximately 2,600 counties across 45 states and Washington, D.C..
That represents more than 80% of U.S. counties.
There is no single nationwide Humana Medicare Advantage plan. Premiums, copays, provider networks, drug formularies and supplemental benefits can differ substantially depending on where you live and which plan you select.
What’s New With Humana Medicare Advantage in 2027?
Humana’s 2027 announcement highlights several changes and continuing benefits.
| 2027 Feature | Humana Announcement |
|---|---|
| Service area | Approximately 2,600 counties in 45 states plus Washington, D.C. |
| C-SNP expansion | Expansion into Pennsylvania, Utah and Wisconsin. |
| Routine labs | New access to $0 in-network routine laboratory services. |
| Primary care | Eligible plans continue to offer $0 in-network PCP copays. |
| Prescription drugs | Eligible plans continue $0 copays on hundreds of medications. |
| Dental, vision & hearing | Benefits remain available across Humana’s plan offerings. |
| Premiums | Humana says $0 or low-monthly-premium plans are available. |
What Types of Humana Medicare Advantage Plans Are Available?
Humana lists four major Medicare Advantage plan types for consumers shopping for 2027 coverage.
1. HMO Plans
Health Maintenance Organization plans generally use a network of doctors, hospitals and other healthcare providers.
Members should carefully check whether their doctors, hospitals and specialists participate in the specific 2027 network before enrolling.
2. PPO Plans
Preferred Provider Organization plans generally offer more flexibility to receive care from providers outside the plan network, although out-of-network care may cost more.
3. Special Needs Plans
Humana offers Special Needs Plans designed for beneficiaries who meet specific eligibility requirements.
These can include plans designed around certain chronic conditions or for people who qualify for both Medicare and Medicaid.
4. PFFS Plans
Private Fee-for-Service plans determine how much the plan pays and how much the member pays for covered services according to the plan’s terms.
Two Humana plans with the same general plan type can still have different premiums, copays, drug coverage, provider networks and maximum out-of-pocket limits.
What’s Changing With Humana Chronic Condition Plans?
One of Humana’s most notable 2027 changes involves Chronic Condition Special Needs Plans, or C-SNPs.
Humana says it is expanding C-SNP availability into:
- Pennsylvania
- Utah
- Wisconsin
C-SNPs are Medicare Advantage plans specifically designed for people with certain qualifying chronic health conditions.
Eligibility depends on the plan and qualifying condition, so the expansion does not mean every Medicare beneficiary in those states qualifies for a C-SNP.
Does Humana Have $0 Premium Medicare Advantage Plans in 2027?
Yes, in some areas and plans.
Humana’s 2027 announcement specifically says its portfolio includes $0 or low-monthly-premium plans.
But a $0 Medicare Advantage plan premium does not mean healthcare is completely free.
You may still have the Medicare Part B premium, copays, coinsurance, deductibles, prescription-drug costs and other expenses depending on the plan and services you use.
What Is the Average Medicare Advantage Premium for 2027?
CMS projects that the nationwide weighted-average monthly premium across all Medicare Advantage plans will decrease from $14.37 in 2026 to $12.00 in 2027.
That represents a projected decrease of about 16.5%.
The $12 figure is CMS’s nationwide projection across Medicare Advantage plans from all insurers, including Medicare Advantage prescription-drug plans and Special Needs Plans.
Will Humana Medicare Advantage Include Prescription Drugs?
Many Humana Medicare Advantage plans include Medicare Part D prescription-drug coverage.
Humana says eligible 2027 plans continue to provide $0 copays on hundreds of prescription medications.
However, prescription coverage must be checked at the individual plan level.
Before enrolling, search for every medication you regularly take and check:
- Whether the drug is on the plan formulary.
- Which drug tier it is assigned to.
- Your expected copay or coinsurance.
- Whether prior authorization applies.
- Whether step therapy applies.
- Whether your preferred pharmacy is in the network.
Does Humana Include Dental Coverage in 2027?
Humana says dental benefits are available across its 2027 Medicare Advantage plan offerings.
However, the actual benefit can vary by plan.
Don’t assume that the word “dental” means every dental procedure is fully covered.
Check the individual plan for:
- Preventive dental coverage.
- Comprehensive dental coverage.
- Annual benefit allowance or maximum.
- Copays and coinsurance.
- Network restrictions.
- Coverage for crowns, dentures or other major services.
What About Vision and Hearing Benefits?
Humana also says vision and hearing benefits remain available across its 2027 plan offerings.
Again, the dollar allowances, provider rules and covered services can vary by plan and location.
When comparing plans, look beyond whether a benefit simply says “included.”
Check how much the plan actually pays and how frequently the benefit can be used.
Does Humana Offer $0 Primary Care Visits?
Humana says eligible 2027 plans continue to offer $0 copays for in-network primary-care visits.
Humana is also highlighting new access to $0 in-network routine laboratory services.
Eligible plans may offer $0 in-network primary-care visits, while Humana is also adding access to $0 in-network routine lab services.
What Is the Maximum Out-of-Pocket Limit?
Medicare Advantage plans have an annual maximum out-of-pocket limit for covered Part A and Part B services.
The exact maximum can vary among Humana plans.
This number deserves as much attention as the monthly premium.
Someone who needs frequent specialist visits, outpatient procedures or hospital care may find the maximum out-of-pocket amount particularly important when comparing plans.
Should I Check My Doctors Again for 2027?
Yes.
Do not assume that a doctor who participated in your Humana plan in 2026 will necessarily have exactly the same network relationship in 2027.
Provider networks can change.
Before enrolling or renewing, check important providers such as:
- Primary-care physician
- Cardiologist
- Oncologist
- Endocrinologist
- Other specialists
- Preferred hospital
- Pharmacy
Should Existing Humana Members Check Their 2027 Plan?
Absolutely.
Existing members should review their Annual Notice of Change (ANOC) and other 2027 plan documents.
A plan that has the same or a similar name can still change its premium, copays, drug formulary, provider network or supplemental benefits from one year to the next.
Pay particular attention to:
| Check | Why It Matters |
|---|---|
| Monthly premium | May change for 2027. |
| Maximum out-of-pocket | Shows potential annual medical-cost exposure. |
| Doctor network | Your current doctors may not participate in the same plan. |
| Drug formulary | Your medication’s coverage or tier can change. |
| Pharmacy network | Preferred pharmacy pricing may differ. |
| Dental | Allowance and covered procedures can change. |
| Vision/hearing | Allowances and provider rules can vary. |
| Specialist copays | Can materially affect frequent users. |
When Is Medicare Open Enrollment for 2027?
Medicare’s Annual Open Enrollment Period runs:
During this period, Medicare beneficiaries can compare available coverage for 2027 and make eligible changes.
CMS encourages beneficiaries to review their current coverage and compare available plans because costs and benefits can change from year to year.
Do I Have to Change My Humana Plan?
Not necessarily.
CMS says people who want to keep their current Medicare coverage generally do not need to re-enroll.
However, that doesn’t mean you should ignore the annual enrollment period.
First confirm that your current plan is continuing in 2027 and review its new costs, benefits, network and drug coverage.
How Do I Find Humana Medicare Advantage Plans Near Me?
Humana’s plan-shopping system uses location to display plans available in your service area.
Check whether your preferred doctors and hospitals participate in each specific plan.
Check the formulary, tier and expected cost for your regular prescriptions.
Don’t compare only the monthly premium. Look at deductibles, copays, coinsurance and the maximum out-of-pocket amount.
Review dental, vision, hearing and other benefits you are actually likely to use.
Humana vs. the $12 Average Medicare Advantage Premium
CMS’s projected $12 average Medicare Advantage premium for 2027 is useful for understanding the overall market, but it should not be used to estimate the premium of a particular Humana plan.
A Humana plan in one ZIP code could have a $0 monthly plan premium while another plan or location could have a different premium.
Always use the actual plan information for your ZIP code.
Can I Have Humana Medicare Advantage and Medicaid?
Some beneficiaries qualify for both Medicare and Medicaid.
Special Needs Plans may be available for certain people who meet specific eligibility requirements.
Availability is location-specific, so beneficiaries should check Medicare’s Plan Finder or Humana’s plan search for their ZIP code.
What Should I Compare Before Choosing a 2027 Humana Plan?
The lowest premium is not automatically the lowest-cost plan for a particular person.
A more useful comparison includes:
- Monthly plan premium
- Medicare Part B premium obligation
- Primary-care copay
- Specialist copay
- Hospital costs
- Maximum out-of-pocket limit
- Prescription-drug costs
- Doctor and hospital network
- Dental allowance and coverage
- Vision benefits
- Hearing benefits
Start with your doctors and prescriptions, then compare the potential annual cost of each plan. Treat extra benefits as part of the comparison—not as a substitute for checking medical and drug coverage.
Humana Medicare Advantage 2027: Quick Answers
| Question | Answer |
|---|---|
| Are Humana 2027 plans available to preview? | Yes. |
| How large is Humana’s 2027 footprint? | About 2,600 counties across 45 states and Washington, D.C. |
| Does Humana have $0-premium plans? | Humana says $0 or low-premium plans are available, depending on location and plan. |
| Are $0 PCP visits available? | Eligible plans continue to offer $0 in-network primary-care copays. |
| What is new for labs? | Humana highlights new access to $0 in-network routine lab services. |
| Does Humana offer dental? | Dental benefits are available across plan offerings, but coverage varies. |
| What states get expanded C-SNP access? | Pennsylvania, Utah and Wisconsin. |
| When is Open Enrollment? | October 15 through December 7, 2026. |
| When does 2027 coverage begin? | Generally January 1, 2027 for changes made during fall Open Enrollment. |
Bottom Line
Humana’s 2027 Medicare Advantage plans are now available to preview ahead of Medicare Open Enrollment.
Humana says it will offer Medicare Advantage coverage in approximately 2,600 counties across 45 states and Washington, D.C., representing more than 80% of U.S. counties.
Its 2027 portfolio includes $0 or low-premium options, eligible plans with $0 in-network primary-care copays, new access to $0 in-network routine lab services, prescription-drug benefits in many plans and dental, vision and hearing benefits across plan offerings.
But there is no single Humana Medicare Advantage plan that applies nationwide.
Before enrolling, enter your ZIP code and compare the exact 2027 premium, doctors, hospitals, medications, copays, maximum out-of-pocket limit and supplemental benefits for the plans available where you live.
Official Sources
Humana — 2027 Medicare Advantage Plans
Preview Humana Medicare Advantage Plans
Humana — 2027 Plan Announcement
Humana’s Official 2027 Medicare Advantage Announcement
Medicare.gov
Compare Medicare Plans
Centers for Medicare & Medicaid Services
CMS 2027 Medicare Advantage Outlook
Last reviewed: October 7, 2026. Medicare Advantage plan availability, premiums, provider networks, prescription-drug coverage and supplemental benefits vary by plan and location. BillUnpacked is an independent informational website and is not affiliated with Humana, Medicare, CMS or the U.S. government.