Medicare Advantage
Humana Medicare Advantage in New York for 2027: 8 Plans, County by County
NEW YORK — For the 2027 plan year, Humana is offering 8 Medicare Advantage plans across New York, according to the CMS Medicare Advantage Landscape Source File. The lineup includes a mix of HMO and PPO options, two Dual Eligible Special Needs Plans (D-SNPs), and plans that include drug coverage. Because Medicare Advantage is sold county by county, a plan on Humana's statewide list may or may not be available where you live.
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Key takeaways
- Humana lists 8 Medicare Advantage plans in New York for 2027, including 5 HMOs, 3 PPOs, and 2 D-SNPs, with all 8 offering drug coverage.
- Humana has 3 plans new for 2027 and 8 plans not returning from 2026, so current members should check their mail carefully.
- Each Humana plan is offered in a specific set of New York counties, so confirm availability in your county on Medicare.gov before choosing.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made then takes effect January 1, 2027.
This article is published by an independent Medicare education site. We are privately owned and are not Medicare, not a government agency, and not Humana or any other insurance carrier. Our aim is to help New Yorkers read the 2027 CMS data for themselves and know where to go next.
What Humana offers statewide for 2027
Across New York, Humana's 2027 Medicare Advantage footprint, as reported in the CMS Landscape file, breaks down this way:
- Total plans: 8
- Plan types: 5 HMO and 3 PPO
- Special Needs Plans: 2 D-SNP (no C-SNP, no I-SNP)
- Plans with drug coverage (MAPD): 8
For context, 23 other carriers offer Medicare Advantage plans somewhere in New York for 2027, for a total of 224 plans statewide across all carriers. Humana's 8 plans sit inside that larger field. The specific plan names and county counts appear in the Humana table on this page; the sections below point to the ones with the widest reach and the ones that are changing.
Humana's plans with the widest county reach
Within Humana's 2027 New York lineup, county reach varies widely from plan to plan. The plans listed by CMS as covering the most New York counties are:
- Humana USAA Honor Giveback (PPO) — offered in 47 counties
- HumanaChoice H5970-029 (PPO) — offered in 45 counties
- Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) — offered in 31 counties
Other plans on the list, such as Humana Gold Plus H3533-033 (HMO), Humana Gold Plus H3533-035 (HMO), Humana Gold Plus H3533-037 (HMO), and HumanaChoice H5970-028 (PPO), are offered in smaller sets of counties. "Widest reach" simply describes how many counties a plan is listed in — not price, benefits, networks, or quality. For those details, Medicare.gov's Plan Finder and each plan's Evidence of Coverage are the right sources.
What is new, and what is not returning
Year-over-year changes matter because they can affect current members directly. According to the CMS Landscape files for 2026 and 2027:
- New Humana plans for 2027: 3. These include Humana Gold Plus H3533-037 (HMO) and the two D-SNP entries listed under Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP).
- Humana plans not returning for 2027: 8.
If you are currently enrolled in a Humana plan that is not continuing into 2027, Humana is required to send you a non-renewal notice. Read any letter you receive from the carrier, and check Medicare.gov to see which Humana or other-carrier plans are available in your county for next year.
Checking whether a plan is offered in your county — and covers your doctors and drugs
Because Medicare Advantage availability is county-specific, a plan Humana offers in New York may not be sold in your county. Here is a practical way to check for 2027:
1. Go to medicare.gov and open the Plan Finder. 2. Enter your ZIP code and, if asked, choose your county. 3. Add the prescriptions you take and the pharmacies you use. 4. Filter for Medicare Advantage plans and look at the Humana plans that appear for your location. 5. Open each plan's details to see the provider directory, drug list (formulary), and Evidence of Coverage.
If you want to confirm that a specific doctor, hospital, or medication is covered, use the plan's own online directory and formulary, or call the number listed for the plan on Medicare.gov. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week.
What to do before December 7
The Medicare Annual Enrollment Period runs from October 15 through December 7, 2026. Any Medicare Advantage choice you make during that window takes effect January 1, 2027. A simple checklist:
- Read the Annual Notice of Change from your current plan, if you have one.
- Make a short list of your doctors, hospitals, and prescriptions.
- Use Medicare.gov to compare the plans — Humana's and others — available in your county.
- If a plan interests you, read its Evidence of Coverage in full before enrolling.
- Keep notes on any call you make, including the date, time, and name of the representative.
There is no need to rush. The deadline is a date on the calendar, not a countdown. If you miss December 7, other enrollment windows may still apply later; 1-800-MEDICARE can explain which ones fit your situation.
Where to get free help
Two sources of free, non-sales help are available to every New Yorker with Medicare:
- Medicare.gov — the official site, with the Plan Finder, plan documents, and enrollment tools.
- 1-800-MEDICARE (TTY 1-877-486-2048) — available 24/7 for questions about plans, enrollment periods, and your specific situation.
These resources can walk you through the 2027 Humana plans — and plans from the 23 other carriers in New York — without steering you toward any one choice.
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 New York for 2027
CMS lists 8 Humana Medicare Advantage plans across New York for 2027, alphabetically by carrier, widest county reach first. 23 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 8 plans | |||
| Humana USAA Honor Giveback (PPO) | PPO | Yes | 47 |
| HumanaChoice H5970-029 (PPO) | PPO | Yes | 45 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | HMO D-SNP | Yes | 31 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | HMO D-SNP | Yes | 9 |
| Humana Gold Plus H3533-035 (HMO) | HMO | Yes | 4 |
| HumanaChoice H5970-028 (PPO) | PPO | Yes | 3 |
| Humana Gold Plus H3533-033 (HMO) | HMO | Yes | 2 |
| Humana Gold Plus H3533-037 (HMO) | HMO | Yes | 2 |
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 New York 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 available in New York for 2027?
Does Humana offer a plan in my specific New York county?
What if my current Humana plan is not returning in 2027?
When do 2027 plan choices take effect?
- 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.
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This page was last updated: October 2026.