Medicare Advantage

Humana Medicare Advantage in Arizona for 2027: 22 Plans, County by County

PHOENIX — Humana will offer 22 Medicare Advantage plans across Arizona for the 2027 plan year, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. The lineup includes a mix of HMO and PPO plans, two Chronic Condition Special Needs Plans, and both plans with and without prescription drug coverage. This explainer, published by an independent Medicare education site that is not the government and not affiliated with any insurance carrier, walks through what the CMS files show for Arizona — and how to confirm whether any specific plan is available where you live.

2027 plan lineupArizona

What is Humana offering across Arizona for 2027?

Humana is offering 22 Medicare Advantage plans in Arizona for 2027, split evenly between HMO (11) and PPO (11) products, based on the CMS MA Landscape Source File. Of those 22 plans, 20 include prescription drug coverage and 2 do not. The Special Needs Plan count includes 0 Dual-Eligible SNPs, 2 Chronic Condition SNPs, and 0 Institutional SNPs — the two C-SNPs are listed as Humana Gold Plus - Diabetes and Heart (HMO C-SNP).

For context, CMS lists 15 other Medicare Advantage carriers operating in Arizona for 2027, and all carriers combined offer 148 Medicare Advantage plans statewide. Humana's 22 plans sit inside that broader statewide landscape; the full carrier and plan lists for Arizona appear in the tables elsewhere on this page.

Which Humana plans reach the most Arizona counties in 2027?

In 2027, Humana's widest-reaching Arizona plans by county count are Humana USAA Honor Giveback (PPO), HumanaChoice R7220-001 (Regional PPO), and HumanaChoice R7220-002 (Regional PPO), each listed in 15 Arizona counties in the CMS file. Humana Essentials Plus Giveback (PPO) under contract H5216-435 and HumanaChoice H5216-224 (PPO) are each listed in 12 counties.

Other plans reach fewer counties. For example, HumanaChoice H5216-034 (PPO) is listed in 5 counties, HumanaChoice H5216-263 (PPO) in 4, and several HMO plans — including Humana Gold Plus H0028-021, H0028-074, H2463-001, and Humana Total Complete (HMO) under H4461-059 — are listed in 2 counties each. Humana Gold Plus H0028-024, H0028-062, and the C-SNPs appear in a single Arizona county apiece. The county counts above come straight from the CMS Landscape file and are reflected in the plan table on this page.

What is new or not returning from Humana in Arizona for 2027?

For 2027, the CMS file lists 1 new Humana Medicare Advantage plan in Arizona — Humana Value Choice (PPO), offered in 3 counties — and 0 Humana plans not returning. Several plans are also marked as renamed rather than new: the Humana Essentials Plus Giveback (PPO) entries note prior names (previously Humana Essentials Plus Giveback H5216-435 (PPO) and HumanaChoice Giveback H7617-051 (PPO)), and the two Humana Total Complete (HMO) plans were previously named Humana Gold Plus under contracts H4461-059 and H4461-056.

A renamed plan can still be a different plan on paper for enrollment purposes, and benefit details may change from year to year. If you are currently in a Humana plan that appears renamed in the 2027 file, review the Annual Notice of Change (ANOC) your plan mails you in the fall and the 2027 Evidence of Coverage before making any decision.

How do I know if a Humana plan is offered in my Arizona county for 2027?

A plan Humana lists statewide for 2027 may not be offered in your Arizona county — CMS reports plan availability county by county, so you confirm it one plan, one county at a time. The 15 Arizona counties range widely in which plans appear on the menu, and the plan table on this page shows the county counts for each Humana plan.

To check your own county and verify that a plan covers your doctors, hospitals, and prescriptions, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. Enter your ZIP code and your prescriptions, then review each plan's provider directory and formulary. For the most authoritative detail on any plan, read the plan's Evidence of Coverage and current directories.

What should Arizona Medicare beneficiaries do before December 7, 2026?

Before December 7, 2026, Arizona Medicare beneficiaries should review their current coverage against the 2027 plan options and make any change during the Annual Enrollment Period, which runs October 15 – December 7, 2026, with the new coverage effective January 1, 2027. The date is a planning marker, not a reason to rush.

A practical checklist:

• Read the Annual Notice of Change from your current plan when it arrives in the fall.
• List your doctors, hospitals, and prescriptions, including dosages.
• Use the Medicare Plan Finder at medicare.gov to compare 2027 plans available in your specific county.
• Confirm that any plan you are considering includes your providers and medications.
• Save your enrollment confirmation number if you make a change.

Where can Arizona residents get free help with 2027 Medicare choices?

Arizona residents can get free, unbiased help with 2027 Medicare choices directly from Medicare at medicare.gov or by calling 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. The Plan Finder tool at medicare.gov lets you compare every Medicare Advantage plan available in your ZIP code side by side, including Humana's and those of the 15 other carriers CMS lists in Arizona for 2027.

For questions about Original Medicare eligibility, Part A and Part B enrollment, or replacement Medicare cards, the Social Security Administration can help at ssa.gov or 1-800-772-1213.