Medicare Advantage

Humana's 2027 Medicare Advantage plans in Houston: how to match them to your doctors before Dec. 7

HOUSTON — Fall 2026 is the stretch when Humana's 2027 Medicare Advantage lineup becomes real for Houston-area shoppers. In Harris County, where Houston sits, Humana will offer 22 Medicare Advantage plans for 2027, and a handful of them look different than they did this year. Before the Annual Enrollment Period closes on December 7, 2026, it is worth walking through the full list and checking each option against the doctors you see and the drugs you take.

MyMedicarePlans.org is an independent consumer site and is not Humana. Humana is one of 15 carriers offering Medicare Advantage in Harris County next year — 99 plans in total across all carriers — so what follows is a look at one carrier's slate, not a comparison or a recommendation.

Which Humana Medicare Advantage plans are offered in Houston for 2027?

In Harris County, the county Houston is in, Humana lists 22 Medicare Advantage plans for 2027, and every one of them includes Part D prescription drug coverage. The table below lists every plan by name and type; the names are spelled as CMS lists them in the 2027 Landscape file.

By plan type, the 2027 Humana roster breaks down this way:

• HMO plans: 9
• PPO plans (including Regional PPO): 12
• PFFS plans: 1

Within those totals are 5 Special Needs Plans — plans designed for people with specific situations:

• D-SNP (for people with both Medicare and Medicaid): 3, all HMOs — including Humana Gold Plus SNP-DE H0028-032, Humana Gold Plus SNP-DE H4461-071 and Humana Gold Plus SNP-DE H4461-072.
• C-SNP (for people with certain chronic conditions): 2, both named Humana Gold Plus - Diabetes and Heart (HMO C-SNP).
• I-SNP (for people living in or needing an institutional level of care): 2, both named Humana Together in Health (PPO I-SNP).

SNPs have eligibility rules. You cannot simply pick one; you have to qualify.

What is new or not returning in Humana's 2027 Houston lineup?

Humana has 2 plans new for 2027 in Harris County and 2 plans that are not returning. The carrier also renamed 5 plans — the plan itself is still there, but the name on your card or paperwork will read differently.

Among the new-for-2027 plans are a second Humana Gold Plus - Diabetes and Heart (HMO C-SNP) and a second Humana Together in Health (PPO I-SNP). Among the renamed plans are Humana Essentials Plus Giveback (PPO) (previously Humana Essentials Plus Giveback H7617-035), Humana Total Complete (HMO) (one previously Humana Total Complete H4461-049 and one previously Humana Gold Plus H4461-057), Humana Value Choice (PPO) (previously Humana Value Choice H7617-057), and HumanaChoice Giveback H5216-358 (PPO) (previously Humana Essentials Plus Giveback H5216-358).

If a plan is not returning, Humana sends an affected-member notice; if a plan is renamed, that detail shows up in the Annual Notice of Change (ANOC) that lands in your mailbox each fall. The ANOC is the document that spells out what is changing on your plan for next year.

What does drug coverage look like on these plans for 2027?

All 22 of Humana's 2027 Harris County plans include Part D drug coverage, so for this carrier you do not have to pair a Medicare Advantage plan with a stand-alone drug plan.

Two program-level Part D numbers are set for 2027 and apply across all Part D coverage, not just Humana's:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33. That figure is a formula input used across the program; it is not what any particular plan charges.

The coverage gap (the old "donut hole") has been gone since 2025, so Part D now has three phases. If spreading drug costs across the year would help, the Medicare Prescription Payment Plan is still available on an opt-in basis in 2027.

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

The only way to confirm whether a specific Humana plan covers your doctors, hospitals and prescriptions is to check the plan's own documents and tools — not a third-party summary. Here is a reliable sequence to work through before December 7, 2026:

1. Open the Medicare Plan Finder at medicare.gov. Enter your ZIP code and add every prescription with the dose and quantity you actually take. The Plan Finder will show each plan's drug costs for your exact list. 2. Filter the results to Humana (or whichever carrier you are checking) to see only that carrier's Harris County plans side by side. 3. For each plan you are seriously considering, open the plan's provider directory and search for your primary care doctor, your specialists and the hospital you prefer. HMO and PPO rules on out-of-network care are different, so check the plan type too. 4. Open the plan's formulary (the drug list) and confirm your medications are listed, which tier they sit on, and whether any require prior authorization or step therapy. 5. If you need help from a human, call 1-800-MEDICARE (1-800-633-4227), which runs 24 hours a day, 7 days a week.

If you take no action by December 7 and your current plan is still offered for 2027, it simply renews under the terms in the ANOC. No one is forced to switch.

What dates and figures still matter for 2027?

The Annual Enrollment Period for 2027 coverage runs October 15 – December 7, 2026, and any change you make takes effect January 1, 2027. The Medicare Advantage Open Enrollment Period then runs January 1 – March 31, 2027, letting people already on a Medicare Advantage plan switch once more or return to Original Medicare.

A few 2027 figures are not out yet. CMS announces the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets and surcharges, later in the fall — typically in November. Until CMS posts them, be cautious with any article or ad that quotes a specific 2027 Part B number.