➤ Is Humana discontinuing Medicare Advantage plans in 2027?
Yes, but only some of them. Humana is exiting a set of plans covering roughly 600,000 members, about 8% of its 7.2 million Medicare Advantage enrollees, concentrated among contracts rated 3.5 stars or lower. The company is not leaving Medicare Advantage — it will still be selling plans across most of the country for 2027.
➤ How do I know if my Humana plan is ending?
You will receive a non-renewal letter dated October 2, 2026, which is the official notice required when coverage ends December 31. Your Annual Notice of Change, mailed by September 30, will also say whether your plan continues. Humana has not published a list of affected counties, so those two documents are the only reliable sources right now.
➤ When does my coverage actually end?
December 31, 2026. Your plan pays claims normally right up to that date, so care you receive in December is still covered. What changes is that there is nothing behind it on January 1 unless you have enrolled in something else.
➤ What happens if I do nothing?
You are moved to Original Medicare on January 1, 2027, with no drug coverage and no supplement. Your Part A and Part B benefits continue, but there is no annual out-of-pocket limit, no extra benefits, and a Part D late enrollment penalty starts building for every month you go without creditable drug coverage. That penalty stays with you permanently once it applies.
➤ Do I get extra time to choose a new plan?
Yes. Members whose plan is non-renewed get a Special Enrollment Period running December 8, 2026 through February 28, 2027, in addition to the normal Annual Enrollment Period ending December 7. Enrolling by December 7 is still better because it avoids any gap, but the extra window is real and it is yours.
➤ Can I get a Medigap policy without answering health questions?
In this situation, generally yes. Losing coverage because your plan is discontinued triggers a guaranteed-issue right, meaning an insurer cannot decline you or price you differently based on your health. It lasts 63 days from the end of your coverage, and which plan letters are available depends on your circumstances and your state. Outside a window like this, most states allow medical underwriting on Medigap applications.
➤ Should I just take the replacement plan Humana offers me?
Compare it first. Humana expects to keep roughly 40% of affected members in its own plans, and for some of them that is the right outcome. But the plan you are steered toward is chosen for continuity, not because anyone checked it against your doctors and your prescriptions. Look at two or three alternatives before deciding — you are allowed to, and it costs nothing.
➤ Which Humana plans and counties are affected?
Humana has not disclosed that. What the company has said is that the exits target plans it considers unprofitable, concentrated among those rated 3.5 stars or lower. Any list circulating before the October letters is speculation. Your own notice is the answer for your situation.
➤ Is this happening with other carriers too?
Yes. More than one million Medicare Advantage members across the industry face plan exits for 2027, with Centene, Molina and UnitedHealthcare making similar withdrawals alongside Humana. Humana is the largest single piece of it. The same dates, the same Special Enrollment Period and the same guaranteed-issue Medigap right apply regardless of which carrier dropped your plan.
➤ Will my doctors change if I switch plans?
They might, and this is the check worth doing before anything else. Every Medicare Advantage plan has its own network, and networks are renegotiated annually even on plans that continue. Look up each of your physicians and your preferred hospital against the 2027 directory of any plan you are considering, then confirm with the practice directly rather than trusting the directory alone.
