I’ll walk you through why the plan is ending, the dates that matter, and your three paths from here. You’ll also see a one-time protection that lets many people buy a Medicare supplement plan without health questions.
By the end, you’ll know which path fits your doctors, prescriptions, and budget, and what to do before December 7, 2026.
Key Takeaways
- Your plan ends December 31, 2026. Your Medicare does not end, only this plan.
- Choose a new plan by December 7, 2026 for a January 1, 2027 start with no gap.
- A Special Enrollment Period (SEP) runs December 8, 2026 through February 28, 2027 if you need more time.
- Original Medicare opens a guaranteed issue right, letting you buy certain Medicare supplement plans with no health questions until March 4, 2027.
Why Is Humana Leaving Some Medicare Advantage Markets in 2027?
Humana is ending some plans for 2027, and about 600,000 members are affected.
According to Healthcare Dive, that is roughly 8% of the nearly 7.2 million people in Humana Medicare Advantage plans.
This is not Humana leaving Medicare. A county-level analysis from KFF shows the company leaving 62 counties and entering four for 2027. It still sells plans in about 80% of U.S. counties.
That is why Humana expects to keep roughly 40% of affected members in its other plans.
In other words, the decision is about the plan, not about you.
How Do I Know If My Humana Plan Is Ending?
Your Medicare Advantage plan non-renewal letter, dated October 2, 2026, is the official confirmation.
Humana has not published a public list of affected plans. Your letter names your plan and its end date.
If your plan continues, you received an Annual Notice of Change (ANOC) instead. That yearly letter lists next year’s premium, network, and drug changes.
If anything is unclear, a side-by-side quote for your state will show every plan still available in your area.
Medicare supplement policies are guaranteed renewable, so a Medicare Advantage exit does not cancel one. If you have a Humana Medicare supplement plan, these exits do not apply to you. The MediGap Advisors Humana carrier guide covers those plans in more detail.
If your letter says your plan ends December 31, 2026, the rest of this guide is for you.
What Are the Key Dates for Humana Members?
These eight dates shape every decision about your Humana Medicare Advantage plan.
| Date | What happens |
|---|---|
| September 30, 2026 | ANOC mailed to members whose plan continues |
| October 2, 2026 | Date on non-renewal letters for plans that are ending |
| October 15 to December 7, 2026 | Annual Enrollment Period (AEP), when anyone on Medicare can change plans |
| December 8, 2026 to February 28, 2027 | SEP for members whose plan is not renewing |
| December 31, 2026 | Your Humana Medicare Advantage plan ends |
| January 1, 2027 | New plans chosen by December 7 begin |
| January 1 to March 31, 2027 | Medicare Advantage Open Enrollment Period, one switch for anyone in a Medicare Advantage plan |
| March 4, 2027 | Guaranteed issue window for a Medicare supplement plan closes, 63 days after your plan ends |
Choosing by December 7, 2026 is the cleanest route, because your new plan starts January 1 with no gap. If you need more time, the SEP and the guaranteed issue window give you room into early 2027.
Just know that a later choice can leave you a few weeks without a drug plan.
What Happens If I Do Nothing?
If you take no action, you move to Original Medicare on January 1, 2027, with no drug plan and no Medicare supplement plan.
Your Medicare eligibility does not change when your Humana plan ends. Parts A and B keep paying their share of hospital and doctor bills. What goes away are the extras your plan bundled in, such as dental, vision, and a yearly out-of-pocket cap.
Original Medicare by itself has no yearly limit on what you pay, which is a risk most people shouldn’t take.
If your plan was an MAPD, a Medicare Advantage plan with Part D built in, your drug benefits end too. If you go 63 days or more without Part D or other creditable drug benefits, you may owe a penalty. That Part D late enrollment penalty can last as long as you have Medicare drug benefits.
Doing nothing is still a choice, and I’d rather you make it on purpose.
What Are My Three Options?
You can choose a Humana replacement plan, another carrier’s Medicare Advantage plan, or Original Medicare with a Medicare supplement plan and a Part D plan.
Each path can be the right fit, depending on your health, doctors, and budget. Here is how they compare.
| Humana replacement plan | Another carrier’s Medicare Advantage plan | Original Medicare + Medicare supplement + Part D | |
|---|---|---|---|
| Monthly premium | Often low or $0, plus Part B | Often low or $0, plus Part B | Part B plus supplement and Part D premiums |
| Doctors and hospitals | Plan network, usually HMO or PPO | A new network to check | Any U.S. provider that accepts Medicare |
| Yearly out-of-pocket costs | Capped by the plan’s yearly limit | Capped by the plan’s yearly limit | Low and predictable, based on plan letter |
| Drug plan | Built in with an MAPD | Built in with an MAPD | Separate Part D plan |
| Switching later | Each fall during the AEP | Each fall during the AEP | Part D each fall; a new supplement may mean health questions |
| Guaranteed issue right | Ends when you join | Ends when you join | Used now, while you have it |
- A Humana replacement plan may be the simplest move if your doctors stay in network, though its drug list or premium can change.
- Another carrier’s Medicare Advantage plan makes sense if it includes your doctors and drugs at a better price.
- Original Medicare with a Medicare supplement plan and Part D gives you the widest choice of doctors and predictable costs, for a higher monthly premium.
There is no wrong answer here, only the answer that fits you best.
Your Humana plan is ending, but your choices are not. Get a free quote for the Medicare plans available in your state and compare them side by side before December 7, 2026.
Get a Free Medicare Supplement Quote
What Are My Medigap Guaranteed Issue Rights If My Humana Plan Ends?
Because your plan is ending, you have a short, one-time right to buy a Medicare supplement plan without answering health questions.
This is called a guaranteed issue right, and it applies to Medicare supplement plans, also known as Medigap. During this window, insurers cannot deny you, charge more for your health history, or delay benefits for a pre-existing condition.
You can apply as soon as your letter arrives, up to 63 days after your plan ends. For a plan ending December 31, 2026, that last day is March 4, 2027. Your new Medicare supplement plan cannot start until your Humana plan ends.
The CMS guide to choosing a Medigap policy lists the plans this right covers: Medigap Plan A, B, C, D, F, or G. Any insurer selling them in your state must accept you.
Plans C and F are only available if you were eligible for Medicare before January 1, 2020. Some states add extra protections, so your options may be broader.
Joined Medicare Advantage at 65 and still in your first year? You may also have a trial right. It lets you return to Original Medicare and buy any Medicare supplement plan sold in your state.
One rule matters most: your Medigap guaranteed issue rights apply only if you move to Original Medicare.
What If I Choose Another Medicare Advantage Plan Instead?
That choice is allowed, and for some people it is the right one.
Just know that joining another Medicare Advantage plan gives up this guaranteed issue right. If you later switch from Medicare Advantage to Medigap, most insurers can ask health questions first. That process is called medical underwriting, and the MediGap Advisors guide on how to pass MediGap underwriting explains it.
If you lean toward a Medicare supplement plan, it helps to know that Medigap plans are standardized by federal law. A Plan G from one company is identical in benefits to a Plan G from another company. The differences come down to price, service, and the company behind the plan.
In short, decide which direction you’re heading before your guaranteed issue window closes on March 4, 2027.
How Do I Compare a Humana Replacement Plan or Any New Plan?
Whether you’re weighing Humana Medicare Advantage plans for 2027 or another carrier’s, I’d use the same short checklist.
- Your doctors and hospitals so you know each one is in the plan’s network for 2027.
- Your prescriptions checked against the plan’s drug list, including the tier each drug falls on.
- The maximum out-of-pocket limit, which is the most you could pay in a year for in-network care.
- The premium, copays, and deductibles so you can estimate a realistic yearly total.
- HMO or PPO since an HMO usually keeps you in network, while a PPO allows out-of-network care at a higher cost.
- The star rating and extra benefits such as dental, vision, and hearing, weighed after the basics above.
For a Medicare supplement plan, the list is shorter. Benefits match from company to company, so price and service become the main differences.
A side-by-side quote puts all of these numbers in one view, which beats comparing letters at the kitchen table.
What Should I Do Before December 7, 2026?
Six steps will take you from letter to decision.
- Find your non-renewal letter and note the plan name and end date.
- List your doctors, hospitals, and prescriptions with their doses.
- Decide between an MAPD and Original Medicare with a Medicare supplement plan.
- If you choose a Medicare supplement plan, apply inside your guaranteed issue window and add a Part D drug plan.
- Confirm your new enrollment in writing and keep it with your letter.
- Get a quote for your state so you can compare every path side by side.
Taken one at a time, these steps turn a stressful letter into a manageable decision.
Medicare Shouldn’t Be So Complicated
A plan exit is stressful enough without decoding every option on your own.
MediGap Advisors compares Medicare supplement, Medicare Advantage, and Part D plans from many carriers nationwide, and quotes are free. Every client gets one dedicated, licensed Personal Benefits Manager who follows up each year.
The team has helped tens of thousands of clients across the country find the right plan at the right price.
Your Humana plan may be ending, but you don’t have to choose your next Medicare plan alone.
Get a Free Medicare Advantage Quote
Select whether you would like quotes on Medicare Advantage and MAPD plans, or Part D prescription plans.
Frequently Asked Questions
1. Is Humana leaving Medicare?
No.
Humana is ending some Medicare Advantage plans and leaving 62 counties for 2027. It still offers plans in about 80% of U.S. counties. Your letter will tell you if your plan is ending, and another Humana plan may be available nearby.
2. Will I lose my Medicare?
No.
Your Medicare eligibility does not change when a Medicare Advantage plan ends. If you take no action, you move to Original Medicare on January 1, 2027. You keep Parts A and B but lose the plan’s drug benefits and extras, so it pays to choose a new path.
3. Can I keep my doctor?
It depends on the path you choose.
With Original Medicare and a Medicare supplement plan, you can see any doctor in the U.S. who accepts Medicare. With any Medicare Advantage plan, including another Humana plan, check each doctor’s 2027 network status first.
4. Can I get a Medicare supplement without health questions?
Yes, for a limited time.
Because your plan is ending, you can buy Medigap Plan A, B, C, D, F, or G with no health questions through March 4, 2027. Plans C and F require Medicare eligibility before 2020. This right applies only if you move to Original Medicare.
5. What if I miss December 7, 2026?
You still have options.
An SEP lets you choose a Medicare Advantage or Part D plan from December 8, 2026 through February 28, 2027. Your new plan starts the first of the following month. Your guaranteed issue right for a Medicare supplement plan also runs through March 4, 2027.
6. Is my Humana Medicare supplement plan affected?
No, these exits apply to Medicare Advantage plans only.
Medicare supplement policies sold since 1992 are guaranteed renewable. Your policy continues as long as you pay your premium and answered your application truthfully, and its benefits stay the same from year to year.
Ready to compare every path before your deadline? Get your free Medicare quote for your state. Compare Medicare supplement, Medicare Advantage, and Part D options from multiple carriers in one place, and find a lower-cost plan that keeps your doctors and your prescriptions.
Hi! I’m Mel Fonseca, and I’m one of your Personal Benefits Managers. I like working with MediGap Advisors because we’re creating solutions to healthcare problems. I’ve been in your shoes. As someone who’s had to choose health benefits for both my family and my team, I understand the pressure that comes with it. Read more about me on my Bio page.