Medicare Advantage

Humana Medicare Advantage in Michigan for 2027: 18 Plans, County by County

LANSING, Mich. — For the 2027 plan year, Humana is offering 18 Medicare Advantage plans across Michigan, according to the CMS Medicare Advantage Landscape Source File. That statewide count includes general plans and Special Needs Plans, and every one of the 18 includes prescription drug coverage. Humana is one of 18 carriers offering Medicare Advantage in the state next year, out of 181 plans statewide. This article is published by an independent Medicare education site; it is not the government and not affiliated with Humana or any insurance carrier.

2027 plan lineupMichigan

How many Humana Medicare Advantage plans are offered in Michigan for 2027?

Humana is offering 18 Medicare Advantage plans in Michigan for the 2027 plan year, and all 18 include prescription drug coverage. By plan type, the lineup breaks down as 3 HMO plans, 1 HMO-POS plan, 13 PPO plans, and 1 PFFS (Private Fee-for-Service) plan. Within that total, Humana lists 6 Special Needs Plans for Michigan: 5 Dual-Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, and 1 Chronic Condition SNP (C-SNP). There are no Institutional SNPs in the Michigan lineup. For context, Humana is one of 18 carriers participating in the state, and together those carriers offer 181 Medicare Advantage plans statewide.

Which Humana Medicare Advantage plans reach the most Michigan counties in 2027?

The widest-reaching Humana Medicare Advantage plans in Michigan for 2027 are its two Regional PPOs — Humana Full Access R0110-014 (Regional PPO) and HumanaChoice R0110-013 (Regional PPO) — along with Humana USAA Honor Giveback (PPO), each listed in 83 counties. Other broadly offered plans include Humana Value Plus H5216-382 (PPO) in 75 counties, Humana Full Access (PPO) in 74 counties, and Humana Full Access Giveback (PPO) in 73 counties, with another Humana USAA Honor Giveback (PPO) also in 73 counties. On the narrower end, Humana Dual Integrated (HMO D-SNP) is listed in 2 counties, and the Humana Gold Plus H8908 family of HMO and HMO D-SNP plans is listed in 11 counties each. The full plan list, with county counts and plan type, is rendered as a table on this page; use it to see which Humana plans appear in the counties you care about.

What Humana plans are new or not returning in Michigan for 2027?

For 2027, Humana has no new Medicare Advantage plans in Michigan and 6 plans from 2026 that are not returning. If you are currently enrolled in a Humana plan that is not continuing into 2027, Humana is required to send you an Annual Notice of Change or a non-renewal notice explaining what is happening with your coverage and what your options are. Several returning plans also show renamed in the 2027 data — for example, three plans listed as Humana Full Access (PPO) and two listed as Humana Full Access Giveback (PPO) were renamed from longer contract-numbered names used in 2026. The plan contract itself may continue, but the name on your card or paperwork can look different.

How do I check whether a Humana plan is offered in my Michigan county and covers my doctors and drugs?

Plans are sold county by county, so even a plan Humana offers in 83 Michigan counties may not be offered in yours — and the only reliable way to confirm availability, provider networks, and drug coverage is to check the official sources for your specific ZIP code. Use the Medicare Plan Finder at medicare.gov to search by ZIP code and see which Humana plans are available where you live. Then verify three things before enrolling: that each of your doctors, hospitals, and other providers is in the plan's network for 2027; that each of your prescriptions appears on the plan's formulary; and that any pharmacy you prefer is in the plan's pharmacy network. These details come from the plan's Evidence of Coverage, provider directory, and formulary — not from any summary article. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week.

What should Michigan Medicare beneficiaries do before December 7, 2026?

The Medicare Annual Enrollment Period runs October 15 through December 7, 2026, and the plan you choose during that window takes effect January 1, 2027. A few steps make the window easier to use. First, read the Annual Notice of Change your current plan mails in the fall; it spells out any changes for 2027 and whether your plan is continuing. Second, make a short list of your doctors, hospitals, and prescriptions so you can check them against any plan you are considering. Third, use Medicare Plan Finder at medicare.gov to compare plans available in your county side by side. If you take no action, in most cases your current plan continues into 2027 with its updated terms — unless it is one of the plans not returning, in which case the notice from your carrier will explain your next steps.

Where can Michigan residents get free help comparing Medicare plans for 2027?

Two free, official resources are available to every Michigan Medicare beneficiary. Medicare.gov hosts the Medicare Plan Finder, which lets you enter your ZIP code and prescriptions to see the Medicare Advantage and Part D plans available in your county for 2027, including Humana's. And 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock to answer questions about enrollment periods, plan availability, and how Medicare works. Both are run by the federal Medicare program and do not sell insurance.