Medicare Advantage

Humana Medicare Advantage in Idaho for 2027: 10 Plans, County by County

BOISE — For the 2027 plan year, Humana is offering 10 Medicare Advantage plans across Idaho, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. The lineup includes a mix of HMO and PPO plans, one chronic-condition Special Needs Plan, and both drug-inclusive and drug-free options. Because Medicare Advantage is sold county by county, a plan listed statewide may or may not appear on the shelf where you live.

This explainer is published by an independent Medicare education site. We are not the federal government, not CMS, and not affiliated with Humana or any other insurance carrier.

What is Humana offering across Idaho for 2027?

Humana has 10 Medicare Advantage plans available somewhere in Idaho for the 2027 plan year, per the CMS MA Landscape Source File. By plan type, that breaks down to 2 HMO plans and 8 PPO plans. Eight of the 10 plans include Part D prescription drug coverage; the other two do not.

Humana's Special Needs Plan footprint in Idaho for 2027 consists of 1 Chronic Condition Special Needs Plan (C-SNP). There are no Dual-Eligible (D-SNP) or Institutional (I-SNP) Humana plans listed in the state for 2027. For context, CMS shows 7 other carriers offering Medicare Advantage plans in Idaho for 2027, with 44 plans across all carriers combined.

Which Humana plans reach the most Idaho counties in 2027?

The widest-reaching Humana plans in Idaho for 2027, by county count, are two PPOs that appear in 23 counties each: Humana USAA Honor Giveback (PPO) and HumanaChoice H5216-048 (PPO). HumanaChoice H5525-054 (PPO) is listed in 13 counties.

Several plans share a 9-county footprint, including Humana Gold Plus H2486-005 (HMO) and Humana Total Complete (HMO). A cluster of plans — Humana Full Access (PPO), both Humana Value Choice (PPO) contracts, and HumanaChoice – Diabetes and Heart (PPO C-SNP) — are each offered in 7 Idaho counties. The complete list, with contract IDs and county counts, is in the plan table on this page. County reach is not a quality judgment; it only describes where a plan is on the shelf.

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

Humana is not introducing any new Medicare Advantage plans in Idaho for 2027, and 2 of its plans from 2026 are not returning for 2027, according to the CMS Landscape Source Files comparing the current and coming plan years. Several continuing plans have been renamed — for example, the plan formerly listed as Humana Full Access H7617-028 (PPO) is now Humana Full Access (PPO), and both Humana Value Choice (PPO) entries and Humana Total Complete (HMO) carry renamed labels for 2027.

If you are enrolled in a Humana plan that is ending in your county, you should receive an Annual Notice of Change (ANOC) from the plan explaining your options. Non-renewal does not end your Medicare — it means you'll choose a different plan or return to Original Medicare for 2027.

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

To confirm a Humana plan is available in your Idaho county for 2027, enter your ZIP code into the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. The statewide count of 10 Humana plans is a ceiling, not a guarantee: because Medicare Advantage is sold county by county, the plans actually visible in Ada, Kootenai, Bonneville, Nez Perce, Twin Falls or any other Idaho county will be a subset of that list.

Once you see which plans appear in your county, check three things against the plan's own documents:

• Provider directory — are your primary care doctor, specialists and preferred hospital in network?
• Formulary (drug list) — are your prescriptions covered, and at what tier?
• Evidence of Coverage (EOC) — the full rules on referrals, prior authorization, service area and out-of-pocket limits.

These documents come from the plan itself. This article does not quote premiums, copays, deductibles, benefits, networks or star ratings for any plan.

What should Idaho Medicare beneficiaries do before December 7, 2026?

The Annual Enrollment Period for the 2027 plan year runs October 15 – December 7, 2026, and any choice you make during that window takes effect January 1, 2027. There is no advantage to waiting until the last day, and there is no penalty for using the full window to compare.

A short checklist for Annual Enrollment 2027:

• Read the ANOC your current plan mailed you — it describes what changes on January 1, 2027.
• Make a current list of your doctors, hospitals and prescriptions (names, dosages, pharmacies).
• Use the Medicare Plan Finder at medicare.gov to see every plan offered in your Idaho ZIP code, including Humana's and the 7 other carriers' options.
• Confirm any plan you're considering with the carrier directly before enrolling.

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

Free, official help with Medicare questions in Idaho is available from Medicare itself. Call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, seven days a week, or use the Medicare Plan Finder and account tools at medicare.gov. Both are run by CMS and cover every carrier offering plans in your county — not just Humana.