Medicare Advantage

Humana's Boston Medicare Advantage plans for 2027: three leaving, two staying

Boston — Fall 2026. If you have a Humana Medicare Advantage plan in Boston, your Annual Notice of Change is the piece of mail to open first this fall. In Suffolk County, Humana is offering two Medicare Advantage plans for 2027, down from five this year. Three plans are not returning, and no new Humana plans are being added. If one of the three that are leaving is yours, you have until December 7, 2026 to pick coverage that starts January 1.

MyMedicarePlans.org is an independent news and education site. We are not Humana, and we are not Medicare. Humana is one of 11 carriers offering Medicare Advantage plans in Suffolk County next year, with 50 plans across all carriers combined.

What Humana is offering in Suffolk County for 2027

Boston is in Suffolk County, which is how Medicare organizes plan availability. For 2027, Humana's lineup here is two Medicare Advantage PPO plans, both of which include prescription drug coverage:

• HumanaChoice Giveback H5216-138 (PPO)
• HumanaChoice Giveback H7617-046 (PPO)

Both of these plans were offered in Suffolk County in 2026 as well. Even so, your Annual Notice of Change (ANOC) will spell out any differences for 2027 — premium, deductible, copays, drug tiers, the pharmacy and provider network, and extra benefits can all shift from one plan year to the next. The ANOC arrives by late September.

Humana is not offering any Special Needs Plans — D-SNP, C-SNP, or I-SNP — in Suffolk County for 2027. If you qualify for a Special Needs Plan (for example, because you have both Medicare and MassHealth, or a qualifying chronic condition), you'll want to look at what other carriers in the county offer.

What's not coming back for 2027

Three Humana Medicare Advantage plans that were offered in Suffolk County in 2026 are not returning in 2027:

• Humana Direct Choice Giveback (PPO)
• Humana USAA Honor Giveback (PPO)
• HumanaChoice H5216-249 (PPO)

If one of those is your current plan, Humana will send a non-renewal notice. You will not be automatically moved into one of the two remaining Humana plans; you have to choose. You can:

• Pick another Medicare Advantage plan (from Humana or any of the other 10 carriers in Suffolk County),
• Return to Original Medicare and, if you want drug coverage, add a stand-alone Part D plan, or
• Do nothing and go back to Original Medicare without drug coverage — which usually isn't the right outcome, because of the Part D late-enrollment penalty.

Because your plan is leaving, you'll also qualify for a Special Enrollment Period that runs into early 2027 if you miss December 7, but it's cleaner to decide during the Annual Enrollment Period.

New Humana plans for 2027

None. No new Humana Medicare Advantage plans are being added in Suffolk County for 2027, and no 2026 plans have been renamed. The lineup is simply smaller than last year's.

How to check a plan against your doctors and prescriptions

Before you pick anything — Humana or otherwise — run it through the real tools, not a sales brochure:

1. Medicare Plan Finder at medicare.gov. Enter your ZIP code and your drug list. The tool will show every Medicare Advantage and Part D plan available to you in Suffolk County, with your actual yearly drug cost estimate for each one. 2. Your prescriptions. Each plan has its own formulary (drug list), tiers and preferred pharmacies. A drug covered on your 2026 plan might sit on a different tier in 2027, or require prior authorization. 3. Your doctors and hospitals. Call each provider's billing office and ask whether they'll be in-network for the specific plan you're considering for 2027 — not just "Humana." Networks are plan-by-plan, and they can change at the start of a new year. 4. The plan's own documents. The Evidence of Coverage and the provider and pharmacy directories, which the plan posts on its website, are the authoritative source for benefits and network. 5. 1-800-MEDICARE (1-800-633-4227), available 24/7, for personalized help.

Program-level numbers for 2027

A few Medicare figures for 2027 are set, and they apply no matter which plan you end up in:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026). Once your out-of-pocket spending on covered drugs hits that amount, you pay $0 for covered drugs the rest of the year.
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026). Plans can set a lower deductible, but not higher.
• Medicare Prescription Payment Plan: you can still choose to spread your drug costs out across the calendar year in monthly payments instead of paying at the pharmacy counter.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of September 2026. CMS typically publishes them later in the fall.

Important dates

• October 15 – December 7, 2026: Medicare Annual Enrollment Period. Any change you make takes effect January 1, 2027.
• January 1 – March 31, 2027: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan on January 1, you get one chance to switch to a different Medicare Advantage plan or to Original Medicare with a Part D plan.

If you do nothing and your current plan is being offered again next year, it renews automatically with the changes shown in the ANOC. If your plan is one of the three Humana plans not returning, doing nothing means you'll land on Original Medicare without drug coverage on January 1 — so this is the year to make an active choice.