Humana Medicare Advantage 2027

Humana Is Ending Medicare Advantage Plans in 2027 — What Affected Members Need to Know

Humana has announced it will exit a significant number of Medicare Advantage markets effective January 1, 2027. If you receive a plan termination or non-renewal notice, you may have guaranteed-issue rights to enroll in a Medicare Supplement plan — without medical underwriting — for a limited window.

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Notices Are Expected to Arrive Soon

CMS requires insurers to notify affected members by October 1 of the prior year. If your Humana plan is ending or leaving your service area, expect a notice in the mail by early October 2026. Your guaranteed-issue window opens 60 days before your plan ends and closes no more than 63 days after — act early to secure coverage effective January 1, 2027.

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Guidance for Humana Medicare Advantage members facing 2027 plan terminations and non-renewals

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What Humana Announced

Humana announced in July 2026 that it expects its 2027 Medicare Advantage plan exits to affect approximately 600,000 members. The company cited profitability challenges and rising medical costs as the primary drivers. The affected plans are expected to end December 31, 2026, with coverage changes taking effect January 1, 2027.

Not every Humana Medicare Advantage member will be affected. Humana is withdrawing from specific counties and service areas — not all markets. Members must receive a notice that their specific plan is terminating, non-renewing, or no longer serving their area under circumstances that qualify for federal guaranteed-issue protection. A routine Annual Notice of Change (ANOC) does not by itself create a guaranteed-issue right — only a plan termination, non-renewal, or qualifying service-area exit notice does.

Humana is retaining plans in certain markets. If you receive a notice that your plan is leaving your area or not renewing for 2027, that notice is your documentation of a qualifying event. Keep it — you may need to provide it to a Medicare Supplement insurer when you apply.

If You Receive a Humana Non-Renewal or Termination Notice

If you receive a letter from Humana indicating your plan is ending, not renewing, or leaving your service area for 2027, here is what to look for and what it may mean for your options.

What the notice may say

Humana is required to notify affected members in writing. The notice will typically identify your specific plan name and contract number, state that the plan will not be renewed or will no longer serve your area effective January 1, 2027, and explain that you have the right to enroll in another Medicare health plan or return to Original Medicare. It may also reference your right to a Medicare Supplement plan — though the notice itself is not a guarantee of GI eligibility. Confirm your specific qualifying event with a licensed broker.

What it means for your coverage

A plan termination or service-area exit notice means your current Humana Medicare Advantage coverage will end December 31, 2026. You will automatically return to Original Medicare (Parts A and B) on January 1, 2027 unless you enroll in a replacement plan before that date. Original Medicare has no out-of-pocket maximum — a Medicare Supplement plan fills that gap.

What it may mean for your rights

When a Medicare Advantage plan is terminated or exits a service area, federal law may grant affected members a guaranteed-issue right to enroll in a Medicare Supplement plan without medical underwriting. This means a pre-existing condition generally cannot be used to deny coverage or increase your premium during the GI window. Not every notice triggers GI rights — the specific circumstances matter. An independent broker can review your notice and confirm whether you qualify.

What Are Guaranteed-Issue Rights?

Guaranteed-issue (GI) rights — also called Medigap protections — require insurance companies to sell you a Medicare Supplement plan at standard rates, without asking health questions or applying medical underwriting. This means a pre-existing condition cannot be used to deny coverage or increase your premium.

When your Medicare Advantage plan is terminated or exits your service area, federal law may grant you a guaranteed-issue right to enroll in certain Medicare Supplement plans. This is one of the strongest consumer protections in Medicare.

For the applicable MA-loss circumstances, Medicare guidance tells beneficiaries they must apply 60 days before coverage ends through no more than 63 days after it ends. For a January 1, 2027 plan end date, that window opens approximately November 2, 2026 and closes approximately March 5, 2027. You can enroll before January 1 and have coverage effective January 1, 2027. After the window closes, insurers in most states can use medical underwriting, which may result in higher premiums or denial of coverage.

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Did Humana send you a 2027 plan notice?

The type of notice and your specific circumstances determine whether you have a guaranteed-issue right to Medicare Supplement coverage.

Have your Humana notice in front of you when you call. William can review what it says and confirm what Medicare Supplement options may be available to you.

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Which Medicare Supplement Plans Are Available Under GI Rights?

Eligible beneficiaries whose Medicare Advantage plan is terminating may have a federal guaranteed-issue right to Medicare Supplement Plan G. For people newly eligible for Medicare on or after January 1, 2020, Plan G is the applicable alternative to Plan F under the MACRA framework, where Plan G is offered. Under current Medicare guidance, Plans A, B, C, D, F, G, K, and L are available under federal GI rights for this qualifying event, subject to the MACRA eligibility restrictions and carrier participation in your state. An independent broker can confirm exactly which plans you qualify for in your state.

Plan availability and GI eligibility vary by state. This is a general federal-law summary — not legal advice. Confirm your specific options with a licensed Medicare broker.

Learn how Medicare Supplement Plan G works

What to Do If You Receive a Termination or Non-Renewal Notice

Keep your notice

Your plan termination or non-renewal notice is your documentation of a qualifying event. Keep it — you may need to provide it to a Medicare Supplement insurer when you apply during the GI window.

Confirm your GI window

Your guaranteed-issue window typically opens 60 days before your plan ends and closes 63 days after. For a January 1, 2027 termination, that window runs approximately November 2026 through early March 2027. You do not need to wait until January 1 to apply — you can submit your Medigap application during the pre-termination window and coordinate the effective date to align with January 1, 2027.

Compare Medicare Supplement plans

Plan G is the most popular option for new enrollees in 2026–2027 and is the MACRA-established alternative to Plan F for people newly eligible for Medicare on or after January 1, 2020. An independent broker can run a side-by-side comparison of premiums and benefits from multiple carriers in your area.

Also review Part D drug coverage

Medicare Supplement plans do not include prescription drug coverage. If you move from Medicare Advantage to Original Medicare plus a Supplement, you will need a standalone Part D plan. Annual enrollment for 2027 Part D runs October 15 – December 7, 2026.

Call an independent broker — not Humana

Humana's agents can only offer Humana products. An independent broker represents multiple carriers and can find the best-value Medicare Supplement plan for your health needs and budget — at no cost to you.

Don't Forget Part D

Medicare Advantage plans typically bundle prescription drug coverage. If you switch to Original Medicare plus a Supplement, you need a standalone Part D plan. The Annual Enrollment Period for 2027 Part D coverage runs October 15 – December 7, 2026. Missing this window could leave you without drug coverage or subject you to a late-enrollment penalty.

Frequently asked questions

Does every Humana Medicare Advantage member lose their plan?

No. Humana is withdrawing from specific counties and service areas, not all markets. You must receive a plan termination or non-renewal notice for your specific plan to be affected. Check your mail carefully in September and October 2026.

What happens if Humana ends my Medicare Advantage plan?

If Humana terminates or does not renew your Medicare Advantage plan, your coverage ends December 31, 2026. You automatically return to Original Medicare (Parts A and B) on January 1, 2027. Original Medicare has no out-of-pocket maximum — a Medicare Supplement plan fills that gap. Depending on the type of notice you receive, you may also have a federal guaranteed-issue right to enroll in a Medicare Supplement plan without medical underwriting. An independent broker can review your notice and confirm your options.

Can I get a Medicare Supplement plan if Humana ends my plan?

Possibly — and in many cases, yes. When a Medicare Advantage plan is terminated or exits a service area, federal law may grant affected members a guaranteed-issue right to enroll in certain Medicare Supplement plans without medical underwriting. This means a pre-existing condition generally cannot be used to deny coverage or increase your premium during the GI window. Not every notice automatically triggers GI rights — the specific type of notice and circumstances matter. Call an independent broker with your notice in hand to confirm whether you qualify and which plans are available in your state.

Can I be denied a Medicare Supplement plan because of my health?

Not during your guaranteed-issue window. When your Medicare Advantage plan is terminated or exits your service area, federal law requires Medicare Supplement insurers to accept you at standard rates without medical underwriting — for the plans covered by GI rights.

Is Plan G available under guaranteed-issue rights?

Yes — eligible beneficiaries whose Medicare Advantage plan is terminating may have a federal guaranteed-issue right to Medicare Supplement Plan G. Under the MACRA framework, Plan G is the applicable alternative to Plan F for people newly eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before January 1, 2020, Plan F may also be available to you. Eligibility depends on your specific plan termination or service-area exit notice. An independent broker can confirm which plans you qualify for in your state.

What if I miss the 63-day guaranteed-issue window?

After the window closes, Medicare Supplement insurers in most states can use medical underwriting. This means they can ask health questions, charge higher premiums based on your health history, or in some states decline coverage. Acting promptly within the GI window is strongly recommended.

Will my doctors still accept my coverage if I switch to Original Medicare?

Original Medicare (Parts A and B) is accepted by the vast majority of doctors and hospitals nationwide — typically more broadly than Medicare Advantage networks. A Medicare Supplement plan pays the costs that Original Medicare does not cover, such as deductibles and coinsurance.

How do I find out which Medicare Supplement carriers are available in my area?

Carrier availability varies by state and county. An independent broker licensed in your state can run a real-time comparison of available carriers and premiums. There is no cost to use an independent broker — carriers pay the commission.

Get Independent Guidance — No Cost, No Pressure

William Gray has helped Medicare beneficiaries navigate plan changes for nearly 30 years. If your Humana plan is ending, call now to review your guaranteed-issue options before the window closes.

Compare Medicare Supplement Plans Call William About My Humana Notice 1-800-DUDE-309 (800-383-3309)

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Florida residents

See Florida-specific Plan G rates and guaranteed-issue guidance for your county.

Florida Humana 2027 guidance

Related resources

Medicare guaranteed-issue rights explained Medicare Supplement Plan G rates in Florida Compare Medigap plans Can I change my Medicare Supplement plan?Sign up for Part D Why use an independent Medicare broker?Medicare Supplement (Medigap) plans overview