Medicare Advantage
Humana Medicare Advantage in Kentucky for 2027: 43 Plans, County by County
FRANKFORT, Ky. — Humana will offer 43 Medicare Advantage plans across Kentucky for the 2027 plan year, according to the Centers for Medicare & Medicaid Services Landscape Source Files. The lineup spans HMO, HMO-POS, PPO and PFFS designs, along with Special Needs Plans built for people with both Medicare and Medicaid, certain chronic conditions, or institutional-level care needs. This explainer is published by an independent Medicare education site; it is not the government and not affiliated with any insurance carrier.
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Key takeaways
- Humana lists 43 Medicare Advantage plans statewide in Kentucky for 2027, but each plan is sold county by county, so your county's menu will be shorter than the statewide count.
- Nine Humana plans are new for 2027 and 13 of its 2026 plans are not returning, which means some Kentuckians will see different options at renewal.
- Annual Enrollment runs October 15 through December 7, 2026, and the choice you make takes effect January 1, 2027.
- Free, unbiased help is available any time at 1-800-MEDICARE and at medicare.gov.
| 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.
What Humana Medicare Advantage plans are offered in Kentucky for 2027?
Humana is offering 43 Medicare Advantage plans in Kentucky for 2027, according to the CMS Landscape Source File. By plan type, that breaks down to 16 HMO, 3 HMO-POS, 23 PPO and 1 PFFS. Within the 43 are 12 Special Needs Plans: 6 Dual-Eligible SNPs (D-SNP) for people with both Medicare and Medicaid, 3 Chronic Condition SNPs (C-SNP) for members with qualifying conditions, and 3 Institutional SNPs (I-SNP) for members in long-term care settings. Forty of the 43 plans include Part D prescription drug coverage; the rest are offered without drug coverage. Humana is one of 11 carriers offering Medicare Advantage in Kentucky for 2027, which together list 123 plans statewide.
Which Humana plans reach the most Kentucky counties for 2027?
Several Humana plans are listed in a majority of Kentucky's 120 counties for 2027. The full plan-by-plan county counts appear in the table on this page, but the widest-reach plans include Humana Essentials Plus Giveback (PPO), Humana USAA Honor Giveback (PPO), HumanaChoice R0110-011 (Regional PPO), HumanaChoice R0110-012 (Regional PPO), Humana Together in Health (PPO I-SNP) and Humana Senior Living Plan (PPO I-SNP), each listed in 120 counties. Humana Dual QMB Only (HMO D-SNP), Humana Dual Select H5619-075 (HMO D-SNP), Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP) and HumanaChoice H5216-188 (PPO) are each listed in 115 counties, and HumanaChoice SNP-DE H5525-045 (PPO D-SNP) is listed in 103 counties. Because plans are sold county by county, a plan with wide reach statewide may still not be available where you live.
What is new or leaving Humana's Kentucky lineup for 2027?
Humana is adding 9 plans in Kentucky for 2027 and not renewing 13 of its 2026 plans, per the CMS year-over-year comparison. The new-for-2027 plans named in the data include Humana Dual QMB Only (HMO D-SNP) in two separate service areas, an additional Humana Essentials Plus Giveback (PPO), Humana Gold Plus H5619-188 (HMO) in two service areas, Humana Gold Plus H5619-189 (HMO-POS), Humana Senior Living Plan (PPO I-SNP), an additional Humana Together in Health (PPO I-SNP) service area, and HumanaChoice Giveback H5216-481 (PPO). A few plans carry renamed labels for 2027, including Humana Essentials Plus Giveback (PPO), Humana Value Choice (PPO) and HumanaChoice H5216-226 (PPO). If you are enrolled in a plan that is not returning, Humana or CMS will send a written notice before Annual Enrollment, and you will have a window to pick another plan.
How do I check whether a Humana plan is offered in my Kentucky county and covers my doctors and prescriptions?
The only way to confirm a plan is sold in your county, and that it covers your doctors and prescriptions, is to look it up by ZIP code on the Medicare Plan Finder at medicare.gov or to call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. The statewide list in the carrier block and the table on this page show which Humana plans are offered somewhere in Kentucky for 2027; they do not confirm availability in any one county. When you check, have your Medicare number, a list of your prescriptions with doses, and the names of the doctors, hospitals and pharmacies you want to keep. Compare that information against each plan's provider directory, pharmacy network and formulary — the official sources are the Plan Finder, the plan's Evidence of Coverage and the plan's own directories.
What should Kentucky Medicare beneficiaries do before December 7, 2026?
Annual Enrollment for 2027 runs October 15 through December 7, 2026, and the plan you choose during that window takes effect January 1, 2027. A practical order of operations: first, read the Annual Notice of Change your current plan mails in September 2026 and note anything that is different for 2027; second, make your list of doctors, prescriptions and preferred pharmacies; third, use the Medicare Plan Finder at medicare.gov to compare every plan available in your county, not just plans from one carrier; fourth, confirm your providers and drugs on each plan you are considering; and finally, enroll by December 7, 2026. If you miss the window, you will generally wait for the next enrollment opportunity unless you qualify for a Special Enrollment Period.
Where can Kentuckians get free help comparing Medicare Advantage plans for 2027?
Free, unbiased help is available directly from Medicare at 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, and online at medicare.gov. The Medicare Plan Finder on medicare.gov lets you enter your ZIP code and prescriptions and see every Medicare Advantage and Part D plan available in your county for 2027, including Humana's. This site is independent; we publish plan counts from the CMS Landscape Source Files so Kentuckians can see the shape of the market, and we point you to the official tools for the plan-specific details.
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 Kentucky for 2027
CMS lists 43 Humana Medicare Advantage plans across Kentucky for 2027, alphabetically by carrier, widest county reach first. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 43 plans | |||
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 120 |
| Humana Senior Living Plan (PPO I-SNP) | PPO I-SNP | Yes | 120 |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | 120 |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | 120 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 120 |
| Humana USAA Honor Giveback (PPO) | PPO | No | 120 |
| HumanaChoice R0110-011 (Regional PPO) | PPO | No | 120 |
| HumanaChoice R0110-012 (Regional PPO) | PPO | Yes | 120 |
| Humana Dual QMB Only (HMO D-SNP) | HMO D-SNP | Yes | 115 |
| Humana Dual Select H5619-075 (HMO D-SNP) | HMO D-SNP | Yes | 115 |
| Humana Gold Plus SNP-DE H5619-163 (HMO D-SNP) | HMO D-SNP | Yes | 115 |
| HumanaChoice H5216-188 (PPO) | PPO | Yes | 115 |
| HumanaChoice SNP-DE H5525-045 (PPO D-SNP) | PPO D-SNP | Yes | 103 |
| Humana Value Choice (PPO) | PPO | Yes | 95 |
| HumanaChoice H5216-317 (PPO) | PPO | Yes | 95 |
| HumanaChoice Giveback H5216-322 (PPO) | PPO | Yes | 87 |
| HumanaChoice H5216-226 (PPO) | PPO | Yes | 83 |
| Humana Gold Plus H5619-188 (HMO) | HMO | Yes | 50 |
| HumanaChoice H5525-008 (PPO) | PPO | Yes | 43 |
| Humana Gold Plus H5619-188 (HMO) | HMO | Yes | 32 |
| HumanaChoice H5216-019 (PPO) | PPO | Yes | 26 |
| Humana Gold Choice H8145-052 (PFFS) | PFFS | Yes | 8 |
| Humana Community (HMO) | HMO | Yes | 5 |
| Humana Dual QMB Only (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| Humana Essentials Plus Giveback (PPO) | PPO | Yes | 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | 5 |
| Humana Gold Plus H0292-003 (HMO) | HMO | Yes | 5 |
| Humana Gold Plus H6622-021 (HMO-POS) | HMO-POS | Yes | 5 |
| Humana Gold Plus H6622-055 (HMO) | HMO | Yes | 5 |
| Humana Gold Plus SNP-DE H6622-018 (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| HumanaChoice Giveback H5216-481 (PPO) | PPO | Yes | 5 |
| Humana Gold Plus H0292-002 (HMO) | HMO | Yes | 4 |
| HumanaChoice H5216-285 (PPO) | PPO | Yes | 4 |
| HumanaChoice H7617-004 (PPO) | PPO | Yes | 4 |
| HumanaChoice H5216-023 (PPO) | PPO | Yes | 3 |
| HumanaChoice H5525-030 (PPO) | PPO | Yes | 3 |
| Humana Gold Plus H5619-113 (HMO-POS) | HMO-POS | Yes | 2 |
| Humana Value Choice (PPO) | PPO | Yes | 2 |
| Humana Community (HMO) | HMO | Yes | 1 |
| Humana Community (HMO) | HMO | Yes | 1 |
| Humana Community HMO Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | 1 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | 1 |
| Humana Gold Plus H5619-189 (HMO-POS) | HMO-POS | Yes | 1 |
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 Kentucky 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 Humana Medicare Advantage plans are offered in Kentucky for 2027?
Does a plan listed statewide mean it is offered in my county?
What is the deadline to choose a plan for 2027?
What should I do if my current Humana plan is not returning for 2027?
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 Humana plan list, plan types, SNP counts, drug-coverage counts and county-level availability in Kentucky.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing 9 new Humana plans and 13 not returning.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder and 1-800-MEDICARE: how to confirm plan availability by county, providers, prescriptions and pharmacies.
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.