Medicare Advantage

Humana's 2027 Medicare Advantage plans in Indianapolis: a plan-by-plan guide

INDIANAPOLIS — Humana's Medicare Advantage lineup for Marion County is shifting for the 2027 plan year, and the window for Indianapolis residents to compare it against their doctors and prescriptions runs from October 15 through December 7, 2026. According to the CMS Medicare Advantage Landscape Source File for 2027, Humana will offer 20 Medicare Advantage plans in the county next year — eight of them new, nine of its current plans not returning, and one renamed.

MyMedicarePlans.org is an independent consumer site and is not Humana or Medicare. We publish this guide so you can see what Humana is putting on the shelf in Indianapolis for 2027 and check it against your own care before the deadline. Humana is one of 11 carriers offering Medicare Advantage in Marion County next year; together those carriers list 79 plans.

What is Humana offering in Indianapolis for 2027?

Indianapolis is in Marion County, where Humana lists 20 Medicare Advantage plans for 2027. By type, that's 1 HMO, 5 HMO-POS plans and 14 PPO plans. Sixteen of the 20 include Part D drug coverage; four are medical-only PPOs.

The full roster — every Humana plan by name and type — is in the table below. The plan names come straight from the CMS Landscape Source File for 2027.

Which Humana Special Needs Plans will be sold in Marion County?

Humana's 2027 Marion County lineup includes 8 Special Needs Plans (SNPs): 4 Dual Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, 1 Chronic Condition SNP (C-SNP), and 3 Institutional SNPs (I-SNPs) for people who live in or need the level of care provided by a long-term care facility.

By name, those are Humana Dual Select H4939-002, Humana Gold Plus - Diabetes and Heart, Humana Gold Plus SNP-DE H4939-003, Humana PathWays Dual Care, Humana PathWays Dual Care NFLOC, Humana Senior Living Plan, and two plans both listed as Humana Together in Health. SNPs have eligibility rules, so you'll want to confirm you qualify before enrolling.

What is new or not returning from Humana for 2027?

Humana has eight new plans in Marion County for 2027 and nine 2026 plans that will not be offered next year. One plan was renamed: Humana Full Access H5216-192 (PPO) is listed for 2027 as Humana Full Access (PPO).

New names on the 2027 list include Humana Essentials Plus Giveback (PPO), Humana Gold Plus H5619-189 (HMO-POS), Humana PathWays Dual Care NFLOC (HMO-POS D-SNP), Humana Senior Living Plan (PPO I-SNP), two Humana Together in Health (PPO I-SNP) plans, Humana Value Choice (PPO), and HumanaChoice Giveback H5216-481 (PPO). If you're currently enrolled in a Humana plan that is not returning, Humana must send you a notice explaining your options; your Annual Notice of Change (ANOC) spells out what is happening to your plan.

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

Use the Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Enter your ZIP code, add your prescriptions and the pharmacies you use, and the tool will show how each plan handles them.

Two more steps worth taking before you decide:

• Call your doctors' offices and ask whether they will be in-network for the specific Humana plan you're considering for 2027. Networks can change each January.
• Read the plan's Evidence of Coverage and provider and pharmacy directories on Humana's website for the specific 2027 plan you're looking at — those documents are the authoritative source for benefits, costs and rules.

If you take no action, your current plan renews for 2027 as long as it's still being offered. If it isn't, Medicare and your carrier will send notice of what happens next.

What is changing in Medicare itself for 2027?

A few program-wide numbers are already set for next year. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026). The Part D maximum deductible will be $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium is $41.33 for 2027 — that's a formula input Medicare uses, not what any particular plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced. CMS typically publishes those figures later in the fall. The coverage gap (the old "donut hole") remains eliminated, with Part D now in three phases. The Medicare Prescription Payment Plan — the option to spread drug costs across the year in level monthly payments — is still available.