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Michigan Medicare Supplement — Humana 2027
If your Humana Medicare Advantage plan is ending January 1, 2027, you may qualify for guaranteed-issue Medicare Supplement coverage in Michigan — no health questions, no underwriting. Call 1-800-DUDE-309 (800-383-3309) for independent guidance.
Call William — 1-800-DUDE-309 (800-383-3309)Not sure if your notice qualifies? Learn about guaranteed-issue rights →
GI window: approximately November 2026 – March 2027
For a January 1, 2027 plan termination, your guaranteed-issue window typically runs from approximately November 1, 2026 through March 5, 2027. Do not wait until January — you can enroll in a Medicare Supplement plan before your Humana plan ends, with coverage effective January 1, 2027.
Michigan has a large Medicare Advantage enrollment population, and Humana has been an active carrier in many Michigan markets. Members in affected Michigan areas who receive a plan termination or non-renewal notice have federal guaranteed-issue rights to enroll in certain Medicare Supplement plans — without medical underwriting.
Michigan does not have a state-level Birthday Rule or continuous open enrollment for Medicare Supplement plans. This makes the federal guaranteed-issue window especially important for Michigan residents. Once the 63-day window closes, insurers can apply medical underwriting in Michigan, which may result in higher premiums or denial of coverage based on health history.
Plan G is the most commonly selected Medicare Supplement plan for new enrollees in Michigan in 2026. Eligible beneficiaries whose Medicare Advantage plan is terminating may have a federal guaranteed-issue right to 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. An independent broker can confirm which plans you qualify for based on your specific termination notice.
If you switch from Humana Medicare Advantage to Original Medicare plus a Supplement, you will lose your bundled drug coverage. Enroll in a standalone Part D plan during the Annual Enrollment Period: October 15 – December 7, 2026, for coverage starting January 1, 2027. Missing this window can result in a late-enrollment penalty.
Humana has not publicly released a final county-by-county list for all affected markets. Affected members will receive a plan termination or non-renewal notice by mail. If you have not received a notice by mid-October 2026, contact Humana directly or call 1-800-MEDICARE (800-633-4227) to confirm your plan's status.
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. Eligibility depends on receiving an actual plan termination or service-area reduction notice for your specific plan. An independent broker can review your situation and confirm all available options.
No. Michigan does not have a Birthday Rule or continuous open enrollment for Medicare Supplement plans. Outside of applicable Open Enrollment or federal guaranteed-issue rights, changing Medicare Supplement plans in Michigan may require medical underwriting. The federal GI window triggered by a Humana plan termination is one of the strongest protections available to Michigan residents in this situation.
No. Independent Medicare brokers are compensated by the insurance carriers, not by you. The premium you pay is the same whether you enroll through a broker or directly with the carrier. A broker gives you access to multiple carriers and unbiased comparisons.
William Gray is a licensed Michigan Medicare broker with nearly 30 years of experience. If your Humana plan is ending, call now to review your options — before the guaranteed-issue window closes.
No cost. No pressure. Independent Medicare guidance.
Select your county for local guidance on Humana 2027 Medicare Advantage changes and guaranteed-issue rights in Michigan.
County pages provide local context for Humana 2027 Medicare Advantage plan changes and guaranteed-issue rights in Michigan. Eligibility depends on your specific plan notice — call for independent guidance.
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Founder of The Medicare Dude · Licensed Since 1998 · Independent Medicare Broker
Michigan Medicare Supplement guidance for Humana 2027 plan terminations
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Got a Humana letter saying your plan is ending?
Have your notice ready — the dates on it determine your GI window.
Ready to take action?
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 in Michigan.
Call The Medicare Dude — 1-800-DUDE-309 (800-383-3309)No cost. No pressure. Independent Medicare guidance.
National overview
See the national overview of Humana's 2027 Medicare Advantage plan changes and guaranteed-issue rights.
National Humana 2027 overview