Humana Medicare Plans Review: 2027 Update

Humana Medicare Review for 2027

Humana is one of the largest Medicare insurers in the U.S. It focuses on Medicare Advantage and Part D drug plans, plus Medicaid in select states and TRICARE for military families. Humana no longer sells ACA Marketplace, short-term or employer group health plans.

For 2027, Humana’s star ratings rebounded sharply. The company says 95% of its Medicare Advantage members are in plans rated 4 stars or higher, up from about 20% for 2026. At the same time, Humana is ending plans that cover about 600,000 members. Learn more at Humana Medicare.

Pros and Cons

Pros

• 95% of Medicare Advantage members in 4-star or higher plans for 2027, and 42% in 4.5-star plans (company)
• Medicare Advantage plans in 45 states and Washington, D.C.
• Highest score in the 2025 ACSI health insurance study (79, vs. an industry average of 76)
• Ranked highest in Texas and Kentucky in J.D. Power’s 2026 Medicare Advantage Study
• Extra benefits on many plans, such as dental, vision, hearing and fitness

Cons

• No ACA, short-term or employer plans for people under 65
• About 600,000 members’ plans are not being offered in 2027
• Leaving the individual Medicare Advantage market in Minnesota for 2027
• Benefits, networks and prices vary a lot by county

Coverage Area (2027)

United States

Humana offers Medicare Advantage plans in 45 states and Washington, D.C. for 2027. It is leaving the individual Medicare Advantage market in Minnesota and dropping some plans in other areas, mostly plans rated 3.5 stars or lower.

International

Some Medicare Advantage plans include emergency coverage abroad, but routine care outside the U.S. is generally not covered.

Provider Network

Humana has a broad national Medicare network, but access depends on your plan type and county. HMO plans usually require in-network care, while PPO plans let you go out of network at a higher cost.

Plan Types Offered (2027)

Under-65 (Individual and Family)

• ACA Marketplace Plans
  Not offered.
• Short-Term Medical (STM)
  Not offered.
• Employer-Sponsored Plans
  Humana has exited employer group medical plans.
• Medicaid
  Offered in select states through state contracts.

Medicare (65+)

• Medicare Advantage (MA)
  HMO and PPO plans, plus Special Needs Plans (SNPs) for people with Medicare and Medicaid or certain chronic conditions. Most plans include drug coverage, and many add dental, vision, hearing and fitness benefits. For 2027, in-network out-of-pocket costs in any Medicare Advantage plan are capped at no more than $9,850.
• Medicare Supplement (Medigap)
  Standardized Medigap plans in many states.
• Part D Prescription Drug Plans
  Stand-alone drug plans. Out-of-pocket drug costs are capped at $2,100 in 2026 and $2,400 in 2027.
• Retiree Group Medicare
  Available through employer and union contracts, not as individual plans.

What’s Changing for Humana in 2027

Star ratings

CMS released 2027 star ratings on October 8, 2026. Humana says 95% of its Medicare Advantage members are in plans rated 4 stars or higher, up from about 20% for 2026, and 42% are in 4.5-star plans. Ratings apply to each plan contract, so check the rating for the exact plan you’re considering.

Plan cuts

About 600,000 Humana Medicare Advantage members were expected to get notices that their plans won’t be offered in 2027. If that’s you, you can pick a new plan during open enrollment, October 15 to December 7, 2026, and you may have a special enrollment period and Medigap rights. See what to do if your Medicare Advantage plan is leaving in 2027.

Drug costs

The Part D out-of-pocket cap rises from $2,100 in 2026 to $2,400 in 2027, according to CMS. Check your plan’s 2027 drug list and pharmacy network before you renew.

Consumer Experience Snapshot

Satisfaction Scores

Humana scored 79 out of 100 in the 2025 ACSI insurance study, the highest of any health insurer, against an industry average of 76.

In J.D. Power’s 2026 U.S. Medicare Advantage Study, Humana ranked highest in Texas (641) and Kentucky (625) and placed second in Florida (620).

Complaint Index

Complaints most often involve claims handling, prior authorizations and network access. Check your state insurance department or the NAIC complaint database for your local Humana plan.

Methodology

Our Health Insurance Rating Methodology scores insurers across five main categories, each rated on a scale of 1 to 10. The overall score is the average of: Coverage Breadth and Accessibility, Plan Variety and Customization, Affordability and Value, Innovation and Care Quality, and Consumer Experience and Transparency. Categories assess provider reach, plan diversity, cost structure, care delivery and member service based on public data, filings and expert analysis.

Frequently Asked Questions

What are Humana’s star ratings for 2027?

Humana says 95% of its Medicare Advantage members are in plans rated 4 stars or higher for 2027, and 42% are in 4.5-star plans. Ratings vary by plan, so check the rating for your specific plan.

Is Humana dropping Medicare Advantage plans in 2027?

Yes, some. About 600,000 members were expected to get notices that their plans won’t be offered in 2027, and Humana is leaving the individual Medicare Advantage market in Minnesota. It still offers plans in 45 states and Washington, D.C.

Does Humana sell ACA or under-65 health insurance?

No. Humana does not sell ACA Marketplace, short-term or employer group health plans. It offers Medicaid in select states.

What is the Part D out-of-pocket cap in 2027?

The Part D out-of-pocket cap is $2,400 in 2027, up from $2,100 in 2026. It applies to Humana’s Part D plans and Medicare Advantage plans with drug coverage.

When can I join or switch Humana Medicare plans for 2027?

Medicare open enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

Bottom Line

Humana is a strong Medicare Advantage choice for 2027, with much better star ratings and top customer satisfaction scores. If your plan is being cut, compare new options before December 7, and always check the star rating, drug list and doctors for the exact plan you’re considering.

Best for:

Medicare-eligible adults who want Medicare Advantage plans with high star ratings and extra benefits.

Not ideal for:

People under 65, or those looking for ACA marketplace plans, employer coverage or short-term health insurance.

Sources

• CMS, 2027 Medicare Advantage and Part D Star Ratings (Oct. 8, 2026)
• Healthcare Finance News, Humana the Big Winner in Medicare Advantage Star Ratings
• CMS, CY 2027 Rate Announcement
• ACSI, Insurance Study 2025 (Oct. 28, 2025)
• J.D. Power, 2026 U.S. Medicare Advantage Study
• MedicareGuide, Best Medicare Advantage Plans and Companies for 2027

Disclaimer

The views and opinions expressed are those of the authors and do not necessarily reflect the official policy or position of HealthCareInsider.com or HealthCare, Inc.