Medicare Advantage

Humana's Medicare Advantage plans in Chula Vista for 2027, broken down plan by plan

CHULA VISTA, Calif. — Fall 2026. If you have a Humana Medicare Advantage plan in Chula Vista, or you are weighing one for next year, this is the stretch to look closely. Humana's 2027 lineup in San Diego County is set, and it is slightly different from the 2026 one: one new plan is joining, and two of this year's plans are not coming back. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice you make in that window takes effect January 1, 2027.

MyMedicarePlans.org is an independent consumer site. We are not Humana, and we are not Medicare. Humana is one of 15 carriers offering Medicare Advantage in San Diego County for 2027 (together they offer 85 plans); this article focuses on Humana's slate because that is what readers keep asking us to lay out plainly.

Which Humana Medicare Advantage plans are offered in Chula Vista for 2027?

Chula Vista is in San Diego County, and in that county Humana is offering 6 Medicare Advantage plans for 2027 — 4 HMOs and 2 PPOs. The full list, with plan type and whether each one includes drug coverage, is in the table below.

By name, Humana's 2027 plans in the county are: Humana Gold Plus Giveback H5619-150 (HMO); Humana Gold Plus H3767-001 (HMO), which is new for 2027; Humana Gold Plus H5619-016 (HMO); Humana USAA Honor Giveback (HMO); Humana USAA Honor Giveback (PPO); and Humana USAA Honor Giveback with Rx (PPO). Humana does not offer a Special Needs Plan (D-SNP, C-SNP or I-SNP) in San Diego County for 2027.

Availability is set at the county level, so these are the Humana options a Chula Vista resident will see on Medicare's Plan Finder next year. What the plan costs, what it covers, which doctors are in network and which drugs are on the formulary vary plan by plan — those details come from each plan's own documents, not from this page.

What is new or not returning in Humana's 2027 lineup?

For 2027, Humana has 1 new plan in San Diego County and 2 plans that are not returning. No Humana plans in the county are being renamed.

If you are enrolled in a Humana plan right now, the clearest way to see what is changing for you specifically is the Annual Notice of Change (ANOC) that Humana mailed in late September. It lists next year's premium, deductible, copays, drug tiers and any benefit changes side by side with this year's. If your current plan is one of the two that is not returning, Humana's notice will tell you that, too, and you'll have the Annual Enrollment Period — and, as a backup, a Special Enrollment Period — to pick something else.

How do I check a Humana plan against my doctors and prescriptions before December 7?

The one tool built for this job is the Medicare Plan Finder at medicare.gov. It lets you enter your ZIP code, your prescriptions and your pharmacy, and it will show each plan's estimated yearly drug cost and whether your drugs are covered, with what restrictions.

A simple order of operations:

1. List your prescriptions (name, dose, how often) and your preferred pharmacy. 2. List the doctors and hospitals you want to keep using. 3. On medicare.gov, run the Plan Finder for ZIP 91910, 91911, 91913, 91914 or 91915 (whichever is yours) and filter to the Humana plans you are considering. 4. For each plan, open the provider directory on Humana's site (or call Humana) and confirm every doctor and facility is in that specific plan's network — networks differ between an HMO and a PPO even at the same carrier. 5. Check the formulary for every drug, including the tier and whether prior authorization or step therapy applies. 6. If you want a human to walk through it with you, call 1-800-MEDICARE (1-800-633-4227), open 24/7.

Do this before December 7, 2026. If your plan is renewing and you take no action, you keep it — with the ANOC changes — on January 1, 2027.

What 2027 Medicare numbers are already confirmed?

CMS has confirmed several Part D figures for 2027 that apply across all Medicare drug plans, including the Humana plans listed above:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026). Once your out-of-pocket spending on covered drugs hits that cap, you pay $0 for covered drugs the rest of the year.
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026). Plans can set a lower deductible, but not a higher one.
• Part D national base beneficiary premium: $41.33 for 2027. This is a formula input CMS uses; it is not what any specific plan charges.
• The Medicare Prescription Payment Plan — the option to spread your drug costs across monthly bills instead of paying at the pharmacy counter — continues in 2027.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes them in the fall, usually in November. We will not estimate them here.

What happens if I do nothing by December 7?

If you do nothing and your current Humana plan is on the 2027 list above, you stay in it on January 1, 2027, with whatever changes are in the ANOC. If your current plan is one of the two Humana plans not returning, you need to pick a new plan during Annual Enrollment, or you can use a Special Enrollment Period triggered by the plan's non-renewal.

You also have the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027, which lets anyone already in a Medicare Advantage plan make one switch (to another MA plan, or back to Original Medicare with a stand-alone Part D plan). It is a second look, not a replacement for Annual Enrollment.