Medicare Advantage

Humana's Medicare Advantage plans in El Paso County for 2027: how to match them to your doctors

El Paso, Texas — Fall 2026. If you have a Humana Medicare Advantage plan in El Paso, or you are shopping one for January, this is the stretch of the year to look closely. The 2027 lineup Humana will offer in El Paso County is set, a few plans are shifting, and the Annual Enrollment Period runs October 15 through December 7, 2026. Any change you make now takes effect January 1, 2027.

This article is a plain-English guide to Humana's 2027 slate in El Paso County — how many plans, what kinds, which Special Needs Plans are in the mix, and what is new, renamed or not coming back. MyMedicarePlans.org is an independent consumer site; we are not Humana, and other carriers also serve the county. The table on this page lists every Humana plan by name.

How many Humana Medicare Advantage plans are offered in El Paso County for 2027?

Humana is offering 23 Medicare Advantage plans in El Paso County for 2027. By type, that breaks down to 9 HMO plans, 13 PPO plans and 1 PFFS plan, and 19 of the 23 include Part D prescription drug coverage.

El Paso is in El Paso County, and Medicare plan availability is set at the county level, so the same lineup applies whether you live in central El Paso, the East Side, the West Side or the Mission Valley. Humana is one of 12 carriers offering Medicare Advantage in the county for 2027; across all carriers, there are 89 Medicare Advantage plans available in El Paso County next year.

What is new, renamed or not returning in Humana's 2027 El Paso lineup?

For 2027 in El Paso County, Humana has 2 new plans, 3 plans that are not returning, and 1 plan that has been renamed. The renamed plan is Humana Essentials Plus Giveback (PPO), which was called HumanaChoice Giveback H7617-041 (PPO) in 2026.

If a plan you currently have is not returning, Humana must send you a non-renewal notice and you get a Special Enrollment Period to choose a new plan. If your plan is renewing, the Annual Notice of Change (ANOC) — mailed or posted in your Humana account by late September — spells out what is changing for 2027, including costs, drug list and provider network. Read it before you decide to stay or switch.

Which Humana Special Needs Plans are available in El Paso County for 2027?

Humana is offering 6 Special Needs Plans (SNPs) in El Paso County for 2027: 3 Dual Eligible SNPs (D-SNPs), 3 Chronic Condition SNPs (C-SNPs) for people with diabetes and heart conditions, and 2 Institutional SNPs (I-SNPs).

SNPs are Medicare Advantage plans built for a specific group. The D-SNPs in the lineup — Humana Gold Plus SNP-DE H0028-036, H4461-069 and H4461-070 — are for people who have both Medicare and Medicaid. The three C-SNPs are each named Humana Gold Plus - Diabetes and Heart (HMO C-SNP) and serve people living with those conditions. The two I-SNPs are both Humana Together in Health (PPO I-SNP), designed for people who live in a long-term care setting or need that level of care at home. To join a SNP, you must meet the eligibility rules; Medicare.gov or 1-800-MEDICARE can confirm whether you qualify.

How do I check a Humana plan against my doctors and prescriptions before December 7?

The surest way is the Medicare Plan Finder at medicare.gov. Enter your ZIP code and your prescriptions, and the tool shows the Humana plans available in El Paso County along with their drug costs, provider networks and star ratings — the pieces we are not allowed to compare for you here.

A short checklist before December 7, 2026:

• Read your ANOC for any plan you already have, and compare the 2026 and 2027 columns.
• Make a list of your current doctors, hospitals and pharmacies, and your prescriptions with doses.
• On medicare.gov, filter to El Paso County and check whether each doctor is in-network and each drug is on the formulary (and at what tier).
• Call the doctor's office directly to confirm they will accept the plan in 2027; networks can change mid-year.
• If you prefer to talk to a person, call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24/7.

What is changing in Medicare itself for 2027?

Two Part D numbers that affect every drug plan — including the ones built into Medicare Advantage — are already set for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027, up from $2,100 in 2026. The Part D maximum deductible a plan can charge rises to $700 in 2027, up from $615 in 2026. The Part D national base beneficiary premium for 2027 is $41.33; that is a formula input CMS uses, not what any plan actually charges.

The 2027 standard Part B premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS usually publishes those figures later in the fall, typically in November. The Medicare Prescription Payment Plan — the option to spread your drug costs across the calendar year in monthly bills — continues to be available if you want it.

What happens if I do nothing by December 7?

Nothing dramatic. If your current Humana plan is still being offered in El Paso County for 2027, it will renew automatically on January 1, 2027, with the changes described in your ANOC. If your plan is one of the 3 Humana plans not returning, you will get a non-renewal letter and a Special Enrollment Period to pick something else.

You also have a second window: the Medicare Advantage Open Enrollment Period, January 1 – March 31, 2027. During those months, if you are already in a Medicare Advantage plan, you can switch to a different Medicare Advantage plan or go back to Original Medicare (and add a Part D plan). You cannot use that window to move from Original Medicare into a Medicare Advantage plan for the first time.