Medicare Advantage
Humana Medicare Advantage in Iowa for 2027: 7 Plans, County by County
DES MOINES — For the 2027 plan year, Humana is offering 7 Medicare Advantage plans across Iowa, according to the Centers for Medicare & Medicaid Services Landscape Source Files for CY2027. One is new for 2027, and three plans that were available in 2026 are not returning. Humana is one of 16 carriers offering Medicare Advantage in the state next year, part of a statewide total of 74 plans.
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Key takeaways
- Humana is offering 7 Medicare Advantage plans in Iowa for 2027, including 1 HMO, 5 PPOs and 1 PFFS.
- One Humana plan is new for 2027 and three of its 2026 plans are not returning, so current members should read any mail from the plan.
- A plan listed statewide may not be sold in your specific Iowa county, so county-level checking matters.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and the choice you make takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This article is published by an independent Medicare education site. It is privately owned and is not Medicare, not a government agency, and not Humana or any other insurance carrier.
How many Humana Medicare Advantage plans are offered in Iowa for 2027?
Humana is offering 7 Medicare Advantage plans across Iowa for 2027: 1 HMO, 5 PPOs and 1 PFFS, per the CMS Landscape Source File. Of those 7, 6 include Part D prescription drug coverage built into the plan.
Two of the 7 are Special Needs Plans: 1 Dual Eligible SNP (D-SNP) for people who have both Medicare and Medicaid, and 1 Institutional SNP (I-SNP) for people who meet an institutional level-of-care requirement. There are no Chronic Condition SNPs (C-SNPs) from Humana in Iowa for 2027. Humana is one of 16 carriers in the Iowa Medicare Advantage market next year, which collectively offer 74 plans statewide.
Every plan is sold county by county. A plan that appears in Iowa's statewide list may or may not be offered in the county where you live.
Which Humana Medicare Advantage plans reach the most Iowa counties in 2027?
Humana's widest-reaching plan in Iowa for 2027 is Humana USAA Honor Giveback (PPO), offered in 98 counties according to the CMS Landscape Source File. The next widest are HumanaChoice Giveback H5216-340 (PPO) in 96 counties and HumanaChoice H5216-014 (PPO) in 95 counties.
The remaining Humana plans for 2027 and the counties where each is offered are shown in the plan table on this page. In summary form:
- Humana Together in Health (PPO I-SNP) — 87 counties (new for 2027)
- Humana Gold Plus H0028-053 (HMO) — 46 counties
- HumanaChoice SNP-DE H5216-268 (PPO D-SNP) — 42 counties
- Humana Gold Choice H8145-006 (PFFS) — 17 counties
County reach is simply a count of where a plan is sold. It does not say anything about cost, benefits, provider networks or quality, and it is not an endorsement of any plan.
What is new or not returning from Humana in Iowa for 2027?
One Humana Medicare Advantage plan is new in Iowa for 2027, and three Humana plans available in 2026 are not returning, based on a year-over-year comparison of the CMS Landscape Source Files for CY2026 and CY2027. The new plan is Humana Together in Health (PPO I-SNP), listed in 87 Iowa counties.
If you are enrolled in a Humana plan that is not continuing into 2027, Humana is required to send a non-renewal notice. Keep that letter. It explains your right to choose another Medicare Advantage plan during Annual Enrollment, or to return to Original Medicare and, in many cases, use a special right to enroll in a Medigap policy. If you did not receive a notice and your plan is still being offered, you generally do not need to re-enroll to stay in it.
How do I check whether a Humana plan is offered in my Iowa 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), available 24 hours a day, 7 days a week. Enter your ZIP code and county, and the tool will show only the Medicare Advantage plans actually sold where you live for 2027.
From there you can:
- Add your prescriptions by name and dose to see how each plan's drug list treats them.
- Add your doctors, hospitals and preferred pharmacy to check network status.
- Read each plan's Summary of Benefits and Evidence of Coverage for the full rules on cost sharing, prior authorization and referrals.
For the official and binding details on any plan — including Humana Gold Plus H0028-053, HumanaChoice Giveback H5216-340, HumanaChoice H5216-014, HumanaChoice SNP-DE H5216-268, Humana USAA Honor Giveback, Humana Gold Choice H8145-006 or Humana Together in Health — rely on the plan's own documents and the Plan Finder, not on summaries.
What should Iowa Medicare beneficiaries do before December 7, 2026?
The Annual Enrollment Period for 2027 runs October 15 – December 7, 2026, and the plan you choose during that window takes effect January 1, 2027, according to CMS. There is no cost to compare, and you can switch plans more than once during the window; only your last choice before December 7 counts.
A reasonable checklist for Iowa residents looking at Humana or any other carrier:
1. Read the Annual Notice of Change (ANOC) your current plan mailed in September 2026. 2. Make a current list of your prescriptions, dosages, pharmacies and regular providers. 3. Run that list through the Plan Finder at medicare.gov against the 2027 plans in your county. 4. If a plan is leaving your county, note your Special Enrollment Period rights. 5. Decide and enroll by December 7, 2026.
Where can Iowans get free help comparing Medicare Advantage plans for 2027?
Free, official help is available year-round from Medicare itself. Call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, or go to medicare.gov to use the Plan Finder, read plan documents and start or change enrollment.
Medicare counselors can walk through what each 2027 plan in your county covers, how prescription drug coverage works, and how Medicare Advantage, Original Medicare, Part D and Medigap fit together — without steering you toward any particular carrier or plan.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
2027 plan lineup
Humana Medicare Advantage plans in Iowa for 2027
CMS lists 7 Humana Medicare Advantage plans across Iowa for 2027, alphabetically by carrier, widest county reach first. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 7 plans | |||
| Humana USAA Honor Giveback (PPO) | PPO | No | 98 |
| HumanaChoice Giveback H5216-340 (PPO) | PPO | Yes | 96 |
| HumanaChoice H5216-014 (PPO) | PPO | Yes | 95 |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | 87 |
| Humana Gold Plus H0028-053 (HMO) | HMO | Yes | 46 |
| HumanaChoice SNP-DE H5216-268 (PPO D-SNP) | PPO D-SNP | Yes | 42 |
| Humana Gold Choice H8145-006 (PFFS) | PFFS | Yes | 17 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Humana Medicare Advantage plans across Iowa break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many Medicare Advantage plans does Humana offer in Iowa for 2027?
Does every Humana plan listed for Iowa serve every county?
What happens if my Humana plan is not returning in 2027?
When do choices made during Annual Enrollment 2027 take effect?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File (CY2027): the 2027 Humana Iowa plan list, plan types, SNP counts, drug-coverage counts and county reach.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 1 new Humana plan and 3 not returning.
- Medicare.gov — Medicare enrollment periods: the October 15 – December 7, 2026 Annual Enrollment dates and January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder and 1-800-MEDICARE: county-level plan availability, drug lists and provider look-ups.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.