If you received a Humana non-renewal letter for 2027, your Humana Medicare Advantage plan will end on December 31, 2026, and you will need to choose new coverage for 2027. You will still have Medicare Part A and Part B. To have new coverage in place on January 1, 2027, choose a plan by December 7, the last day of the Annual Enrollment Period. A licensed YourMedPlan advisor can review your letter and help you understand your next steps.
Key Facts: Humana Non-Renewal Letters for 2027
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Humana expects its 2027 plan exits to affect about 600,000 Medicare Advantage members nationwide.
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The Annual Enrollment Period runs from October 15 to December 7, 2026.
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According to Medicare.gov, members of plans that are not renewing also have a Special Enrollment Period from December 8, 2026, through February 28, 2027.
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If you do not choose a new plan, you will be covered by Original Medicare starting January 1, 2027.
Is Your Humana Letter a Non-Renewal Notice or an Annual Notice of Change?
A non-renewal letter means your Humana plan will not be offered in your area in 2027, and you qualify for a Special Enrollment Period. An Annual Notice of Change means your plan will continue in 2027, often with changes to costs or coverage.
If Humana is combining your plan with another Humana plan, you will receive an Annual Notice of Change instead. In that case, you do not get a Special Enrollment Period, but you can still change plans during the Annual Enrollment Period.
Not sure which letter you received? A YourMedPlan advisor can review it and explain how it affects your coverage.
What Are the Key Dates After a Humana Non-Renewal Letter?
Non-renewal letters are typically mailed in early October, so you can make a change during the Annual Enrollment Period. If you need more time, your Special Enrollment Period continues after the Annual Enrollment Period ends.
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October 15 to December 7, 2026: Annual Enrollment Period. Coverage starts January 1, 2027.
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December 8 to 31, 2026: Your Special Enrollment Period begins. Coverage starts January 1, 2027.
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December 31, 2026: Your Humana plan ends.
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January 2027: If you enroll in January, coverage starts February 1.
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February 2027: If you enroll in February, coverage starts March 1. Your Special Enrollment Period ends February 28.
If you wait until January or February to enroll, you could have a gap in coverage of a month or more. To give yourself time to review your options, contact a YourMedPlan advisor before the Annual Enrollment Period ends on December 7.
How Can a YourMedPlan Advisor Help With Your Humana Non-Renewal Letter?
A licensed YourMedPlan advisor will confirm what kind of notice you received, check your doctors and prescriptions, and explain your 2027 Medicare options from the organizations we represent. Our advisors are compensated by the carriers they represent, and your premium is the same whether or not you use an agent.
Call (Monday through Friday, 8:30 AM to 5 PM ET) to speak with a licensed YourMedPlan advisor.
Your Needs. Your Budget. YourMedPlan.
Frequently Asked Questions: Humana Non-Renewal Letters
What does a Humana non-renewal letter mean?
A Humana non-renewal letter means your Humana Medicare Advantage plan will not be offered in your area in 2027, and your coverage will end on December 31, 2026. You will still have Medicare Part A and Part B, but you will need to choose new coverage for 2027. A YourMedPlan advisor can explain your choices.
What is the deadline after a Humana non-renewal letter?
To have new coverage on January 1, 2027, choose a plan by December 7, 2026, the last day of the Annual Enrollment Period. If you miss that date, your Special Enrollment Period continues through February 28, 2027. Coverage then starts the first day of the month after you enroll, which could leave a gap in coverage.
Will Humana move me to a new plan automatically?
In most cases, no. If you do not choose a new plan, you will be covered by Original Medicare starting January 1, 2027. If you receive Extra Help with drug costs, Medicare will enroll you in a stand-alone drug plan so your drug coverage continues, and you can still choose a different plan.
Will I lose my drug coverage when my Humana plan ends?
If your Humana plan included Part D prescription drug coverage, that coverage also ends on December 31, 2026. To avoid a gap in coverage, choose a new plan with drug coverage by December 7. Going 63 days or more without creditable drug coverage can lead to a Part D late enrollment penalty. A YourMedPlan advisor can review your prescriptions before you decide.
How is a non-renewal letter different from an Annual Notice of Change?
A non-renewal letter means your Humana plan ends on December 31, 2026, and you qualify for a Special Enrollment Period. An Annual Notice of Change means your plan will continue in 2027 or be combined with another Humana plan, with no Special Enrollment Period. If you are not sure which letter you received, call YourMedPlan.
Can I buy a Medicare Supplement after a Humana non-renewal letter?
Often, yes. If your plan ends and you return to Original Medicare, you have a guaranteed issue right to buy certain Medicare Supplement (Medigap) policies. You can apply as early as 60 days before your plan ends and no later than 63 days after it ends. Keep your letter, and talk with a YourMedPlan advisor about timing.
Will my doctors still be covered after my Humana plan ends?
It depends on the plan you choose next. Each plan has its own provider network, and your doctors may accept some plans but not others. Before you enroll, a YourMedPlan advisor will check your doctors and prescriptions against your 2027 options so you know what to expect.
How do YourMedPlan advisors get paid?
YourMedPlan advisors are compensated by the carriers they represent, and your premium is the same whether or not you use an agent. A licensed advisor can explain your Humana non-renewal letter and help you choose coverage for 2027. Call , Monday through Friday, 8:30 AM to 5 PM ET.
Important Disclosures
We do not offer every plan available in your area. Currently, we represent multiple organizations that offer a variety of products in your area. For information on all available options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
SandStone Partners Health, LLC dba YourMedPlan is not affiliated with or endorsed by any government agency. This is an advertisement for health insurance. Not all carriers or plans are available in every state or region. Plan availability, benefits, and costs may vary by location. Limitations and exclusions apply.
