Medicare Advantage

Humana Medicare Advantage in Florida for 2027: 122 Plans, County by County

TALLAHASSEE — For the 2027 plan year, Humana is offering 122 Medicare Advantage plans across Florida, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. That statewide number is a ceiling, not a menu: each plan is sold county by county, so a plan listed for Florida may or may not appear on your doorstep in Miami-Dade, Duval, Leon or Escambia. This article, published by an independent Medicare education site that is not affiliated with the government or with any insurance carrier, walks through what the CMS files show.

What is Humana offering across Florida for 2027?

Humana is offering 122 Medicare Advantage plans in Florida for 2027. By plan type, that breaks down to 89 HMO plans, 7 HMO-POS plans and 26 PPO plans. All 122 include Part D prescription drug coverage.

Within that total, Humana lists 23 Dual Eligible Special Needs Plans (D-SNPs) for people who qualify for both Medicare and Medicaid, and 31 Chronic Condition Special Needs Plans (C-SNPs) built around specific conditions. Humana lists no Institutional SNPs in Florida for 2027. For context, CMS counts 23 other Medicare Advantage carriers in Florida for 2027, and 560 Medicare Advantage plans statewide when every carrier is combined.

Which Humana plans in Florida have the widest county reach for 2027?

The Humana plans with the broadest Florida footprint for 2027, according to the CMS Landscape file, are concentrated in its D-SNP and PPO lineup. Humana Dual Select H5216-394 (PPO D-SNP) is listed in 56 Florida counties. Humana Essentials Plus Giveback (PPO), new for 2027, appears in 37 counties in one record and 18 in another. Humana Dual Integrated (PPO D-SNP), also new for 2027, is listed in 36, 20 and 8 counties across its records, and Humana Dual Select H1036-314 (HMO D-SNP) is listed in 36 counties.

Other broadly offered plans include Humana Fully Integrated H1036-280 (HMO D-SNP) in 21 counties; CareBreeze (HMO C-SNP), CareComplete (HMO C-SNP) and CareSalute (HMO) each in 20 counties; and Humana Gold Plus - Diabetes and Heart (HMO C-SNP) in 19 counties under one of its records. The full plan-by-plan county counts are rendered as tables on this page.

What is new or not returning from Humana in Florida for 2027?

Humana has 11 plans new for 2027 in Florida and 10 plans from 2026 that are not returning, per the CMS year-over-year comparison. New entries include Humana Essentials Plus Giveback (PPO), Humana Dual Integrated (PPO D-SNP), CareComplete Local (HMO C-SNP), CareOne Plus Local (HMO-POS) and Humana Community HMO Diabetes and Heart (HMO C-SNP).

Several plans have also been renamed, which can look like a disappearance even when the coverage continues. Examples in the CMS file: the "Humana Gold Plus SNP-DE" H1036 series has been renamed to "Humana Dual Select" (for instance, H1036-077, -102, -209, -210, -213, -214, -226, -285, -304 and -314). "HumanaChoice Florida SNP-DE" H5216-394 and H7284-010 have been renamed to "Humana Dual Select." A few CareOne Plus (HMO) records are renamed to CareOne Plus (HMO-POS), and one Humana Essentials Plus Giveback H1036-271 record is renamed to Humana Gold Plus Giveback H1036-271. If you cannot find your 2026 plan by name next October, check whether it was renamed before assuming it ended.

How do I check whether a Humana plan is offered in my Florida county and covers my doctors and prescriptions?

Use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week. Enter your ZIP code to see the Humana plans actually available in your county for 2027 — not the statewide list — along with each plan's documents.

Three checks are worth doing in order: confirm the plan is offered in your specific county; look up each of your prescriptions in that plan's formulary to see tier and any restrictions; and confirm your doctors, specialists, hospitals and preferred pharmacies are in that plan's network for 2027. HMO, HMO-POS and PPO plans handle out-of-network care differently, and D-SNPs and C-SNPs have eligibility rules (dual Medicare-Medicaid status, or a qualifying chronic condition) that your situation needs to match. For the final word on benefits, read the plan's Evidence of Coverage and provider and pharmacy directories.

What do I need to do before December 7, 2026?

The Medicare Annual Enrollment Period runs October 15 – December 7, 2026, and whatever you choose during that window takes effect January 1, 2027. If you do nothing and your current plan is renewing without major changes, you generally stay enrolled.

Each September, your current plan sends an Annual Notice of Change (ANOC) describing what is changing for the next year. Read it when it arrives. If your plan is one Humana is not renewing, you will get a non-renewal notice explaining your options and the special timeline you qualify for. A calm, unhurried checklist — ANOC, Plan Finder, doctor list, drug list, county confirmation — handles almost every situation well before December 7.

Where can Floridians get free help comparing Medicare plans for 2027?

Two free, official resources handle Medicare questions for Florida residents year-round. Medicare.gov hosts the Plan Finder, plan documents and enrollment tools. 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, seven days a week, and can walk you through plans available in your county, enrollment windows and appeals.

Help is also available in Spanish and other languages through 1-800-MEDICARE, and the Social Security Administration (ssa.gov or 1-800-772-1213) handles Medicare enrollment and Extra Help with drug costs for people with limited income.