Medicare Advantage

Humana's Medicare Advantage plans in San Diego for 2027: how to check yours before Dec. 7

San Diego — Fall 2026 is the stretch when Medicare households sort through what is changing for next year, and if you have a Humana Medicare Advantage plan in San Diego County, your 2027 lineup has shifted a little. Humana is offering six Medicare Advantage plans in the county for 2027, down from seven in 2026, with one new plan added and two not returning. The window to switch, drop or join a plan runs October 15 through December 7, 2026, and anything you choose takes effect January 1, 2027.

MyMedicarePlans.org is an independent consumer news site; we are not Humana and not affiliated with Medicare. We are focused on this one carrier here because the question we get most this time of year is simple: "What does my carrier look like in my county next year?"

What Medicare Advantage plans does Humana offer in San Diego for 2027?

Humana offers six Medicare Advantage plans in San Diego County for the 2027 plan year — four HMOs and two PPOs, every one of them with Part D drug coverage built in. Humana is not offering a Dual Eligible, Chronic Condition or Institutional Special Needs Plan (D-SNP, C-SNP or I-SNP) in the county next year.

The table below lists every Humana plan available in the county for 2027 by name and type. We do not publish premiums, copays, deductibles, provider networks, drug lists or star ratings in this article; those details change by plan and sometimes by ZIP code, and the official source is the Medicare Plan Finder at medicare.gov.

For context, 14 other carriers also sell Medicare Advantage plans in San Diego County for 2027, and together all carriers in the county offer 85 plans. So Humana is one slice of a larger local market.

What is new or not returning from Humana in San Diego County for 2027?

For 2027, Humana has one new Medicare Advantage plan in San Diego County — Humana Gold Plus H3767-001 (HMO), listed as new for next year — and two 2026 plans that are not returning. Humana carried seven plans in the county in 2026 and will carry six in 2027.

The specifics of what changed inside each returning plan — any adjustment to premium, deductible, copays, extra benefits, pharmacy network or provider network — are laid out in the Annual Notice of Change (ANOC) Humana sent members in late September. If you cannot find yours, you can request another copy from Humana or view your plan's documents on medicare.gov.

If your 2026 plan is one of the two not returning, Humana's notice will explain your options and your Special Enrollment Period rights. You are not left without coverage automatically, but you do need to pick something before December 7, 2026 (or in the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027, under separate rules) to avoid defaulting to Original Medicare without a drug plan.

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

The most reliable way to check any 2027 Humana plan against your own doctors and medications is the Medicare Plan Finder at medicare.gov. It is free, it is official, and it pulls directly from the plan data CMS collects.

A short checklist that works for any San Diego resident:

1. Go to medicare.gov/plan-compare and enter your ZIP code. 2. Add every prescription you take, with the dose and how often you fill it, and your preferred San Diego pharmacy. 3. Filter to Medicare Advantage plans and look up the specific Humana plan names from the table on this page. 4. On each plan's page, check the provider directory for your primary care doctor, any specialists you see, and the hospital you prefer (for many San Diego residents that is Scripps, Sharp, UC San Diego Health or Kaiser — networks vary by plan). 5. Check the drug formulary for each medication, including the tier and any prior authorization or step therapy notes. 6. If something is unclear, call 1-800-MEDICARE (TTY 1-877-486-2048), open 24/7, or call Humana directly using the number on the plan's page.

Doctor networks and drug formularies can and do change on January 1, so a plan that worked for you in 2026 is worth re-checking for 2027 even if you intend to keep it.

What else is changing in Medicare for 2027?

Two program-wide figures are already confirmed by CMS for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026). The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026). The Part D national base beneficiary premium is set at $41.33 for 2027 — that is a formula input CMS uses, not a figure any single plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets and surcharges, have not yet been announced; CMS publishes those later in the fall, usually in November. For 2026, IRMAA surcharges begin above $109,000 in income for a single filer. The coverage gap (the old "donut hole") has been gone since 2025, so Part D now has three phases, and the Medicare Prescription Payment Plan remains available as an option to spread drug costs across the calendar year in level monthly amounts.

What happens if I do nothing by December 7?

If you take no action by December 7, 2026, and your current plan is still offered in San Diego County for 2027, you stay in it on January 1, 2027 under the terms in its ANOC. Nothing is cancelled by inaction alone.

If your current plan is one that is not returning, your carrier's notice will tell you so and explain what Medicare will do by default (typically a return to Original Medicare if you do not pick a replacement). That is the situation where it most matters to use the Plan Finder before the deadline rather than after.