Medicare Advantage

Humana's 2027 Medicare Advantage lineup in Chicago: 13 plans, plan by plan

Chicago, fall 2026 — If you have a Humana Medicare Advantage plan in Chicago, or you are shopping one for next year, the carrier's 2027 lineup for Cook County is now set. Humana will offer 13 Medicare Advantage plans in the county for 2027: four HMOs, eight PPOs and one PFFS. Three plans from this year's lineup are not returning, no plans are brand new, and four plans are returning under new names. All 13 include prescription drug coverage.

The Annual Enrollment Period runs October 15 through December 7, 2026. Any change you make takes effect January 1, 2027. If you do nothing, your current plan simply renews — as long as it is offered next year — with whatever changes are described in the Annual Notice of Change (ANOC) your plan mailed you.

MyMedicarePlans.org is an independent news and education site. We are not Humana and not Medicare, and 10 other carriers also offer Medicare Advantage plans in Cook County for 2027, for a total of 67 plans countywide.

What Humana is offering in Cook County for 2027

Medicare Advantage plan availability is set at the county level. Chicago is in Cook County, where Humana's 2027 lineup breaks down like this:

• 4 HMO plans (one is a C-SNP, one is a D-SNP)
• 8 PPO plans (including local and regional PPOs)
• 1 PFFS (Private Fee-for-Service) plan
• 13 of 13 include Part D prescription drug coverage

The table below lists every Humana plan available in Cook County for 2027, by plan type.

Plan types, in plain English

The plan type tells you how the plan handles doctors and referrals, and it is worth matching to how you actually use care:

• HMO — You generally use the plan's network and may need a referral to see a specialist.
• PPO — You can usually see out-of-network providers, often at a higher cost share.
• PFFS — Private Fee-for-Service plans set their own payment terms; any provider who accepts those terms can see you.

Humana's 2027 Cook County lineup includes all three types. Each one has its own trade-offs around networks, referrals and out-of-area care, so look at your plan's Evidence of Coverage, not just the plan name, to see how it works.

Special Needs Plans in the 2027 lineup

Humana is offering two Special Needs Plans in Cook County for 2027:

• Humana Community HMO Diabetes and Heart (HMO C-SNP) — a Chronic Condition SNP designed for people living with diabetes or certain cardiovascular conditions.
• Humana Dual Fully Integrated (HMO D-SNP) — a Dual Eligible SNP for people who qualify for both Medicare and Medicaid.

SNPs have eligibility rules. If you think one of these might fit, confirm you qualify before enrolling — 1-800-MEDICARE or the plan itself can walk you through it.

What's not returning, and what's been renamed

For 2027, Humana has three Cook County plans that are not returning and four that are returning under new names. If you are in one of them, you should have received an Annual Notice of Change this fall. The ANOC spells out exactly what is changing — the plan name, cost sharing, drug list, or provider network — and whether your plan is going away.

Among the renames in this year's lineup:

• Humana Essentials Plus Giveback (HMO) — was Humana Gold Plus Giveback H1468-021 (HMO)
• Humana Total Complete (HMO) — was Humana Gold Plus H1468-013 (HMO)
• Two Humana Value Choice (PPO) plans — previously branded under the HumanaChoice name

A rename is not automatically a bad thing, and it is not automatically harmless either. Treat it as a prompt to check the details for next year.

Program changes to know for 2027

A few Medicare-wide numbers are already confirmed for 2027 and apply across all plans with Part D drug coverage:

• 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 for 2027 is $41.33. That is a formula input Medicare uses — it is not what any plan actually charges you.
• The coverage gap ("donut hole") remains eliminated; Part D has three phases.
• The Medicare Prescription Payment Plan continues as an option that lets you spread drug costs across the year in monthly amounts.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been published as of this writing. CMS typically announces those later in the fall.

How to check a plan against your doctors and prescriptions before December 7

Before you enroll in, switch or stay in any plan, run it against your own care:

1. List your doctors, hospitals and pharmacies. Include specialists you see even once a year. 2. List your prescriptions with doses and quantities. 3. Use the Medicare Plan Finder at medicare.gov. Sign in and the tool will pull your prescription history. You can enter a plan name, then check whether each drug is on its formulary and whether your providers are in-network. 4. Confirm with the plan directly. Networks and drug lists can change during the year. The plan's own provider directory and Evidence of Coverage are the authoritative sources. 5. Call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, if you want help from Medicare itself.

Give yourself time. December 7, 2026 is the deadline for Annual Enrollment changes that take effect January 1, 2027.