Medicare Advantage
Humana Medicare Advantage in Alabama for 2027: 20 Plans, County by County
MONTGOMERY, Ala. — For the 2027 plan year, Humana is bringing 20 Medicare Advantage plans to Alabama, according to the CMS Medicare Advantage Landscape Source Files for CY2027. That total covers HMO and PPO plans, plans with and without drug coverage, and a set of Dual Eligible Special Needs Plans for people who qualify for both Medicare and Medicaid. This article is an educational explainer from an independent Medicare information site; it is not written by Humana, Medicare, or any government agency.
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Key takeaways
- Humana lists 20 Medicare Advantage plans statewide in Alabama for 2027, including 5 D-SNPs and 17 plans with drug coverage.
- One Humana plan from 2026 is not returning for 2027, and no new Humana plans are being added for 2027 in Alabama.
- The Annual Enrollment Period for Annual Enrollment 2027 runs October 15 – December 7, 2026, and choices take effect January 1, 2027.
- Confirm any plan's availability in your county, along with your doctors and prescriptions, using the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
Because Medicare Advantage plans are offered county by county, a plan listed on the statewide roster may or may not appear in your home county. The counts and plan names below come straight from the CMS files, and the full plan-by-plan details are rendered as tables on this page.
What Humana Medicare Advantage plans are offered in Alabama for 2027?
Humana is offering 20 Medicare Advantage plans in Alabama for 2027: 9 HMO plans and 11 PPO plans, based on the CMS Landscape Source File for CY2027. Of those 20, 17 include Part D prescription drug coverage and 3 do not. Five of the 20 are Dual Eligible Special Needs Plans (D-SNPs); there are no Chronic Condition SNPs and no Institutional SNPs in Humana's 2027 Alabama lineup.
For context, 7 other carriers also offer Medicare Advantage plans in Alabama for 2027, and together all carriers list 113 plans statewide. The table on this page shows each Humana plan by name, plan type, drug coverage, and the number of counties where it is offered.
Which Humana Medicare Advantage plans have the widest county reach in Alabama for 2027?
Several Humana plans are offered in all 67 Alabama counties for 2027, according to the CMS Landscape file. Those statewide-reach plans include Humana Gold Plus H4461-078 (HMO), Humana Gold Plus H4461-079 (HMO), Humana Gold Plus H5619-089 (HMO), Humana USAA Honor Giveback (HMO), Humana USAA Honor Giveback (PPO), HumanaChoice H5216-368 (PPO), HumanaChoice H7617-090 (PPO), HumanaChoice R0110-017 (Regional PPO), HumanaChoice R0110-018 (Regional PPO), and HumanaChoice SNP-DE H5216-370 (PPO D-SNP).
Other plans show narrower reach. HumanaChoice H5216-466 (PPO) is listed in 4 counties, and Humana Gold Plus H4461-073 (HMO) is listed in 1 county. The three Humana D-SNPs branded as Humana Dual Select and Humana Dual QMB Only appear in 63 counties. Being on the statewide list does not mean a plan is sold in every ZIP code — always check your own county.
What is new or not returning for Humana in Alabama for 2027?
For 2027, Humana is not adding any new Medicare Advantage plans in Alabama, and 1 Humana plan offered in 2026 is not returning for 2027, per the CMS year-over-year comparison. One continuing plan has been renamed: Humana Dual QMB Only (HMO D-SNP) was previously listed as Humana Gold Plus SNP-DE H4461-074 (HMO D-SNP).
If you are enrolled in a Humana plan now, watch for the Annual Notice of Change (ANOC) that plans mail each fall. It will tell you whether your specific plan is continuing, being renamed, or ending for 2027, and what to do next.
How do I check whether a Humana plan is offered in my Alabama county and covers my doctors and prescriptions?
The most reliable way to check county availability, provider networks, and drug coverage for any 2027 Humana plan is the Medicare Plan Finder at medicare.gov, which lets you enter your ZIP code and see only the plans sold where you live. You can also call 1-800-MEDICARE, which operates 24 hours a day, 7 days a week.
A few things to confirm before enrolling:
- Your county appears in the plan's service area for 2027.
- Your primary care doctor and specialists are in the plan's network for 2027.
- Each prescription you take is on the plan's 2027 formulary, at a tier you can live with.
- Your preferred pharmacy is in the plan's 2027 pharmacy network.
Those details come from the plan's Evidence of Coverage, Summary of Benefits, provider directory, and formulary — not from third-party summaries.
What should Alabama Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, Alabama beneficiaries can compare, join, switch, or drop a Medicare Advantage plan for 2027 during the Annual Enrollment Period, which runs October 15 – December 7, 2026. Any choice you make takes effect January 1, 2027.
A simple checklist for Annual Enrollment 2027: 1. Read the ANOC from your current plan, if you have one. 2. Make a list of your doctors, hospitals, and prescriptions. 3. Use the Medicare Plan Finder at medicare.gov to compare 2027 options in your county. 4. Confirm details directly with the plan before enrolling.
There is no advantage to rushing. The deadline is a date on the calendar, not a countdown.
Where can Alabamians get free help comparing Medicare Advantage plans for 2027?
Free, unbiased help is available year-round from Medicare itself. Call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, or visit medicare.gov to use the official Plan Finder. Both can show you every Medicare Advantage plan available in your Alabama county for 2027, from every carrier, not just Humana.
If you prefer to work through things on paper, you can also request the "Medicare & You" handbook from Medicare.gov.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
2027 plan lineup
Humana Medicare Advantage plans in Alabama for 2027
CMS lists 20 Humana Medicare Advantage plans across Alabama for 2027, alphabetically by carrier, widest county reach first. 7 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 20 plans | |||
| Humana Gold Plus H4461-078 (HMO) | HMO | Yes | 67 |
| Humana Gold Plus H4461-079 (HMO) | HMO | Yes | 67 |
| Humana Gold Plus H5619-089 (HMO) | HMO | Yes | 67 |
| Humana USAA Honor Giveback (HMO) | HMO | No | 67 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 67 |
| HumanaChoice H5216-368 (PPO) | PPO | Yes | 67 |
| HumanaChoice H7617-090 (PPO) | PPO | Yes | 67 |
| HumanaChoice R0110-017 (Regional PPO) | PPO | No | 67 |
| HumanaChoice R0110-018 (Regional PPO) | PPO | Yes | 67 |
| HumanaChoice SNP-DE H5216-370 (PPO D-SNP) | PPO D-SNP | Yes | 67 |
| Humana Value Plus H5216-179 (PPO) | PPO | Yes | 65 |
| Humana Value Plus H7617-089 (PPO) | PPO | Yes | 65 |
| Humana Dual QMB Only (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| Humana Dual Select H4461-077 (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| Humana Dual Select H5619-093 (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| Humana Gold Plus SNP-DE H4461-076 (HMO D-SNP) | HMO D-SNP | Yes | 63 |
| HumanaChoice H5216-269 (PPO) | PPO | Yes | 54 |
| HumanaChoice H7617-091 (PPO) | PPO | Yes | 54 |
| HumanaChoice H5216-466 (PPO) | PPO | Yes | 4 |
| Humana Gold Plus H4461-073 (HMO) | HMO | Yes | 1 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Humana Medicare Advantage plans across Alabama break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many Humana Medicare Advantage plans are offered in Alabama for 2027?
Is Humana adding or dropping plans in Alabama for 2027?
When is the Annual Enrollment Period for 2027 coverage?
How do I know if a specific Humana plan is sold in my Alabama county?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): Humana's Alabama plan counts, plan names, plan types, D-SNP counts, drug-coverage counts, and county reach for 2027.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing new plans and plans not returning.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.