Humana Is Dropping Plans That Cover 600,000 Medicare Members in 2027. The Letters Arrive in September.

Key Points:

• Humana will terminate approximately 600,000 Medicare Advantage plans at the end of 2026, affecting about 8% of its 7.2 million members, with impacted members receiving notification letters in September.
• The termination triggers a 63-day guaranteed-issue Medigap window during which affected members can purchase Medigap policies without medical underwriting, protecting against pre-existing condition exclusions and premium hikes.
• Key enrollment periods include the Annual Enrollment Period (Oct 15-Dec 7, 2026) to select new Medicare Advantage or Part D plans, a Special Enrollment Period (Dec 8-Feb 28, 2027) due to plan nonrenewal, and the Medigap guaranteed-issue window tied to the disenrollment date.
• Humana expects to retain about 40% of members through other plans, but many will likely switch insurers; members should carefully compare costs and coverage between Medicare Advantage and Original Medicare plus Medigap options before deciding.
• Affected members are advised to note their disenrollment date, obtain Medigap quotes early, and consult state SHIP counselors for assistance, especially in states with expanded Medigap protections.