Medicare Advantage

Humana's Medicare Advantage plans in San Francisco for 2027: a plan-by-plan look

San Francisco — Fall 2026. As Medicare's Annual Enrollment Period opens for 2027 coverage, Humana is offering two Medicare Advantage plans in San Francisco County next year. Both are PPO plans, and both include prescription drug coverage, according to the CMS Medicare Advantage Landscape Source File for 2027.

This story is a plan-by-plan snapshot of Humana's local lineup — nothing more. MyMedicarePlans.org is an independent consumer site; we are not Humana, not Medicare, and not selling anything. Eleven other carriers also offer Medicare Advantage plans in San Francisco County for 2027, for a county-wide total of 46 plans, so Humana is one choice among many.

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

Humana offers 2 Medicare Advantage plans in San Francisco County for 2027. Both are PPO plans, and both include Part D prescription drug coverage. There are no Humana Special Needs Plans (D-SNP, C-SNP or I-SNP) in the county's 2027 lineup.

The table below lists every plan. The two Humana plans listed in the CMS data for San Francisco County are:

• Humana USAA Honor Giveback (PPO) — PPO, with drug coverage
• HumanaChoice H5525-087 (PPO) — PPO, with drug coverage

We are not allowed — and would not want — to attach a premium, deductible, copay, benefit or star rating to either name. Those details change year to year and belong in the plan's own Summary of Benefits and Evidence of Coverage, or on the Medicare Plan Finder.

Is anything new or not returning from Humana in San Francisco for 2027?

For 2027, Humana has 0 new Medicare Advantage plans in San Francisco County and 0 plans not returning. The two plans listed above are the same two names that appear in the county for 2026.

That does not mean nothing changed. Every Medicare Advantage plan sends current members an Annual Notice of Change (ANOC) each fall. The ANOC spells out what is different for the coming year — the premium, deductible, drug tiers, provider network, extra benefits, and the maximum you could pay out of pocket. If you are already in one of these plans, that document, not this article, is where the 2027 specifics live.

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

The fastest way is the Medicare Plan Finder at medicare.gov. You can enter your ZIP code, type in your prescriptions, and see the plans available in San Francisco County side by side, including whether each of your drugs is covered and roughly what you would pay.

A few steps worth doing before December 7, 2026:

1. Pull out your Annual Notice of Change (it usually arrives in late September) and read what is changing for 2027. 2. Make a list of your current doctors, hospitals and regular prescriptions. 3. On medicare.gov, run your drug list through Plan Finder and check each plan's provider directory for your doctors. 4. If a plan is PPO, confirm how it handles out-of-network care — PPOs let you go outside the network, usually at a higher cost share. 5. Call the plan directly, or 1-800-MEDICARE (TTY 1-877-486-2048), with any question the website does not answer.

Doctor networks and drug formularies can change on January 1, so a plan that worked for you in 2026 is worth a fresh look for 2027.

What are the Medicare dates and dollar figures to know for 2027?

The Annual Enrollment Period runs October 15 through December 7, 2026. A choice you make during that window starts January 1, 2027. If you do nothing, your current plan simply renews — assuming it is offered in 2027 — with whatever changes its ANOC describes.

A few program-level 2027 figures CMS has already confirmed:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33 — a formula input CMS uses, not what any particular plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of this writing. CMS typically publishes those in the fall, usually in November.

There is also a second window after AEP: Medicare Advantage Open Enrollment runs January 1 through March 31, 2027. During that period, someone already in a Medicare Advantage plan can switch to a different MA plan once, or drop MA and return to Original Medicare.

What if I want to look beyond Humana in San Francisco County?

Humana is one of 12 carriers offering Medicare Advantage plans in San Francisco County for 2027, and those carriers together offer 46 plans. If you want to compare across companies — different HMOs, PPOs, or a D-SNP if you qualify for both Medicare and Medi-Cal — the Plan Finder at medicare.gov is the neutral place to do it. Nothing on this page should be read as a nudge toward any one plan or carrier.