Medicare Advantage

Humana Medicare Advantage in California for 2027: 30 Plans, County by County

SACRAMENTO — Humana will offer 30 Medicare Advantage plans across California for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source Files. The lineup is a mix of HMO and PPO options, with one Dual Eligible Special Needs Plan in the group. Because Medicare Advantage is sold county by county, any plan listed statewide may or may not be available where you live.

This article is published by an independent Medicare education site. We are privately owned, we are not the government, and we are not Humana or any other insurance carrier.

What Humana offers in California for 2027

Humana's California footprint for 2027 includes 30 Medicare Advantage plans, broken down by CMS as 21 HMOs and 9 PPOs. Within that total, Humana has 1 D-SNP (Dual Eligible Special Needs Plan), 0 C-SNPs, and 0 I-SNPs. Every one of the 30 plans includes Part D prescription drug coverage.

For context, CMS counts 35 other Medicare Advantage carriers operating somewhere in California for 2027, and 394 Medicare Advantage plans statewide across all carriers combined. Humana is one option in that larger field; this article focuses only on Humana because that is the carrier named in our statewide block.

The full plan list — with county counts for each — appears as a table elsewhere on this page. The sections below highlight patterns, not rankings.

Humana plans with the widest county reach

Among Humana's 2027 California plans, the ones listed in the most counties are the Humana USAA Honor Giveback (HMO), offered in 12 counties, and the Humana USAA Honor Giveback (PPO), offered in 11 counties. Another entry listed as Humana Gold Plus H5619-191 (HMO), which is new for 2027, is shown in 8 counties, and Humana Gold Plus Giveback H5619-150 (HMO) is shown in 7 counties, as is HumanaChoice H5525-056 (PPO).

Several other plans — including various Humana Gold Plus HMOs, HumanaChoice PPOs, and the Humana Gold Plus SNP-DE H5619-038 (HMO D-SNP) — appear in smaller clusters of one to five counties. Reach is just a county count; it does not say anything about whether a plan fits your doctors, medications, or situation.

What is new or not returning

Humana has 5 plans that are new for 2027 in California. In the data, these include Humana Gold Plus H3767-001 (HMO), Humana Gold Plus H3767-002 (HMO), and three plan entries listed as Humana Gold Plus H5619-191 (HMO) in different county groupings.

Humana also has 2 plans that are not returning for 2027. If you are currently enrolled in a Humana plan that is being discontinued, Humana is required to notify you in writing, and you will have an opportunity during the Annual Enrollment Period, and in some cases afterward, to pick a new plan.

If you want to see exactly which Humana plan you are in today and whether it will continue in 2027, look at the Annual Notice of Change (ANOC) that Humana mails in the fall, or check Medicare.gov using your plan ID.

Checking whether a plan is offered in your county, and covers your doctors and prescriptions

The single most important step is confirming availability by ZIP code and county. Medicare Advantage plans are approved county by county, so a plan that appears in the statewide list may not be sold where you live.

Here is a simple way to check:

1. Go to medicare.gov and open the Medicare Plan Finder. 2. Enter your ZIP code and, if asked, your county. 3. Filter for Medicare Advantage plans and look for the Humana plan name or contract number (for example, H5525 or H5619) that interests you. 4. Open the plan details and use the tools to check whether your doctors, hospitals, and pharmacies are in network. 5. Enter your prescription drugs to see how each one is covered on that plan's formulary.

You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week, to confirm whether a specific plan is offered in your county. For the most detailed rules, request the plan's Evidence of Coverage and the current provider and pharmacy directories directly from Humana.

What to do before December 7

The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026. A choice made during that window takes effect January 1, 2027. There is no advantage to rushing; the deadline is simply the deadline.

A reasonable checklist:

• Read your current plan's ANOC, which describes changes for 2027.
• Make a list of your doctors, hospitals, and regular prescriptions, including dosages.
• Use the Medicare Plan Finder on medicare.gov to compare plans available in your county.
• If you want to consider Humana, look up each Humana plan by name or contract-plan ID.
• Confirm your providers and medications before enrolling, not after.

If you take no action during the Annual Enrollment Period and your current plan is renewing, you generally stay in it for 2027. If your plan is not returning, you will need to act to avoid a gap or a default change.

Where to get free help

Two no-cost resources are available to every Californian with Medicare:

• Medicare.gov — the official site for comparing plans, checking formularies, and enrolling.
• 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048 — available 24/7 for questions about enrollment periods, plan availability, and your current coverage.

You can also contact Humana directly to request plan documents for any specific plan ID shown in the table on this page.