Medicare Advantage

Humana's 2027 Medicare Advantage roster in Stockton: how to match it to your doctors and drugs

STOCKTON, Calif. — Fall 2026. If you have a Humana Medicare Advantage plan in Stockton, or you are weighing one for next year, the carrier's 2027 lineup for San Joaquin County is set — and the window to make a change for January 1 coverage closes December 7, 2026.

Humana is offering five Medicare Advantage plans in the county for 2027. None are leaving, and none are new. That does not mean nothing is changing: every renewing plan comes with an Annual Notice of Change (ANOC) that spells out next year's costs, drug list and network. This article walks through what Humana offers locally, what to check before December 7, and where to go for the plan-specific details we are not allowed to publish.

MyMedicarePlans.org is an independent consumer site. We are not Humana, and we are not Medicare. Ten other carriers also offer Medicare Advantage plans in San Joaquin County for 2027 — 39 plans in total across all carriers.

What Humana Medicare Advantage plans are offered in Stockton for 2027?

Humana is offering five Medicare Advantage plans in San Joaquin County, the county Stockton is in, for plan year 2027. By plan type that breaks down as three HMOs and two PPOs. One is a Special Needs Plan — a D-SNP, meaning it is designed for people who qualify for both Medicare and Medi-Cal. Four of the five include Part D prescription drug coverage; one does not.

The table below lists every Humana plan available in the county. In alphabetical order, those plans are: Humana Community (HMO), Humana Gold Plus H5619-026 (HMO), Humana Gold Plus SNP-DE H5619-038 (HMO D-SNP), Humana USAA Honor Giveback (PPO), and HumanaChoice H5525-080 (PPO).

We cannot publish any plan's premium, deductible, copay, benefit, provider network or star rating here — those are plan-specific details that belong on the Medicare Plan Finder at medicare.gov or in the plan's own Evidence of Coverage.

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

For San Joaquin County, Humana is not adding any new Medicare Advantage plans for 2027 and is not pulling any of its 2026 plans. The five plans listed above are the same shape of lineup heading into next year.

That is not the whole story, though. Each renewing plan sends members an Annual Notice of Change (ANOC) in the fall. The ANOC explains what is changing in 2027 — the monthly premium, the drug deductible, the formulary (the covered drug list), the provider network, and extras like dental, vision or over-the-counter benefits. If you have a Humana plan now, that document is the single most important thing to read before December 7.

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

Use medicare.gov's Plan Finder. It is the official tool and it is free. You enter your ZIP code (any Stockton ZIP will pull up the San Joaquin County plans), then your prescriptions and your preferred pharmacy. Plan Finder returns the plans available to you with estimated yearly drug costs based on your actual medication list.

A few steps worth doing before you decide:

• Enter every prescription, including dose and frequency. Formularies change year to year, and a drug that was covered in 2026 may sit on a different tier — or require prior authorization — in 2027.
• Check your doctors and hospitals against the plan's provider directory. HMOs generally require you to stay in network except for emergencies; PPOs allow out-of-network care, usually at a higher cost. For the Humana plans above, the directory lives on Humana's own site.
• Read the Summary of Benefits for any plan you are seriously considering.
• Call 1-800-MEDICARE (TTY 1-877-486-2048), open 24/7, if you want to talk a comparison through with someone neutral.

If you qualify for both Medicare and Medi-Cal, the Humana Gold Plus SNP-DE H5619-038 (HMO D-SNP) is built specifically for that situation and has its own eligibility rules.

What Medicare dates and 2027 figures should Stockton readers know?

The Annual Enrollment Period runs October 15 through December 7, 2026. A plan choice made in that window starts January 1, 2027. If you do nothing, your current plan simply renews for 2027 — assuming it is being offered — with the changes described in your ANOC.

A separate window, the Medicare Advantage Open Enrollment Period, runs January 1 through March 31, 2027. During those three months, people already in a Medicare Advantage plan can switch to a different MA plan or go back to Original Medicare once.

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

• The Part D out-of-pocket cap rises to $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.
• The Part D maximum deductible is $700 in 2027 (up from $615 in 2026). Individual plans can set a lower deductible.
• The Medicare Prescription Payment Plan, which lets you spread drug costs across the calendar year in monthly amounts instead of paying at the pharmacy counter, continues in 2027.

The 2027 Part B standard premium, Part B deductible and IRMAA income brackets have not yet been announced. CMS typically publishes those figures later in the fall, usually in November. We will update our coverage when they are released; do not rely on projections you see elsewhere.

What should I do if I already have a Humana plan in Stockton?

Pull out your ANOC when it arrives (it is mailed in September) and compare the 2027 numbers to what you pay now. Then run your prescriptions through Plan Finder as if you were shopping fresh — even if you plan to stay. That is the only way to see whether your medications are still on the formulary at a tier you can live with.

If everything looks fine, you do not need to do anything; your plan renews January 1, 2027. If something has shifted that does not work for you — a drug moved off the formulary, a doctor left the network, the premium changed — you have until December 7, 2026 to pick a different plan for January 1.