Several Humana PPO plans are ending in Tampa Bay, and coverage under those plans stops on December 31, 2026. If you live in Pinellas, Hillsborough, Pasco, Hernando or Manatee County and received a non-renewal letter, you will keep Medicare Part A and Part B, but you will need new coverage for 2027. Enroll in a plan by December 7, when the Annual Enrollment Period ends, to have coverage in place on January 1.
Key Facts: Humana PPO Plans Ending in Tampa Bay
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Several Humana PPO plans will not be offered in Pinellas, Hillsborough, Pasco, Hernando or Manatee counties in 2027.
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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.
Is Your Humana Letter a Non-Renewal Notice?
A non-renewal letter means your Humana PPO plan ends December 31, 2026, and you qualify for a Special Enrollment Period. An Annual Notice of Change means your plan will continue or be combined with another Humana plan, and you do not get a Special Enrollment Period. If you are not sure which letter you received, a licensed advisor at YourMedPlan can review it with you in a consultation.
What Are the Key Dates for Tampa Bay Members?
If you received a notice that your Medicare Advantage plan will not be offered in 2027, these are the dates that apply.
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October 15 to December 7, 2026: Annual Enrollment Period. Coverage starts January 1, 2027.
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December 8, 2026, through February 28, 2027: Your Special Enrollment Period, only if your plan is ending. If you enroll from December 8 to December 31, coverage starts January 1.
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December 31, 2026: Your current plan ends.
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January and February 2027: If your enrollment is received in January, coverage starts February 1. If it is received in February, coverage starts March 1. Your Special Enrollment Period ends February 28.
If your Humana plan is being combined with another Humana plan instead of ending, this Special Enrollment Period doesn’t apply, so December 7 is your last day to enroll in a different plan for January 1.
How Do You Enroll in a Plan to Replace Your Humana PPO?
Start with the doctors and hospitals you rely on, whether you live in St. Petersburg, Tampa or New Port Richey. Then consider your prescriptions and your budget. Each 2027 plan has its own network, drug list and costs, so a plan that works well for a neighbor may not work for you.
How Can a Local YourMedPlan Advisor Help?
YourMedPlan’s roots go back to 1972 through Sonnenberg Insurance Services, the agency where we got our start. Today, licensed advisors at YourMedPlan help Tampa Bay residents compare the 2027 plans we offer in their county. YourMedPlan 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 advisor at YourMedPlan.
Your Needs. Your Budget. YourMedPlan.
Frequently Asked Questions: Humana PPO Plans Ending in Tampa Bay
Are Humana PPO plans ending in Tampa Bay for 2027?
Yes. Several Humana PPO plans will not be offered in Pinellas, Hillsborough, Pasco, Hernando or Manatee counties in 2027, and their coverage ends December 31, 2026. Your non-renewal letter confirms whether your plan is one of them. A licensed advisor at YourMedPlan can review the letter and explain your choices.
Does Humana still offer plans in Tampa Bay?
Yes. Humana continues to offer other Medicare Advantage plans in the area for 2027. Each has its own network, drug list and costs, so another Humana plan may not work the same way as the PPO you have now. An advisor can check whether it fits your doctors and prescriptions.
What happens if I do not replace my Humana PPO?
If your plan is ending and you don’t enroll in a new one, you’ll have Original Medicare starting January 1, 2027. Original Medicare doesn’t include drug coverage. If your ending plan included Medicare drug coverage, that coverage stops December 31, 2026, so you may want to add a Medicare Part D plan. If you get Extra Help, Medicare will generally place you in a stand-alone drug plan. Enroll by December 31 so your new coverage starts January 1. Going 63 days or more in a row without creditable drug coverage can lead to a Part D late enrollment penalty. Your Special Enrollment Period runs through February 28, 2027, but if your enrollment is received in January, coverage starts February 1, and if it is received in February, coverage starts March 1.
Can I switch to a Medicare Supplement instead?
Often, yes. Because your Humana PPO plan is ending, you generally have a guaranteed issue right to buy certain Medigap policies if you return to Original Medicare. You generally can apply once you receive your plan-ending notice and no later than 63 days after your coverage ends, about March 4, 2027. Keep the notice as proof. Apply by December 31, 2026 for a January 1 start. Medigap policies don’t include drug coverage, so you may want to add a separate Part D plan for prescriptions.
Where can I get local help in Tampa Bay?
Call , Monday through Friday, 8:30 AM to 5 PM ET, to schedule a consultation. A licensed advisor at YourMedPlan will review your letter, go over your doctors and prescriptions, and walk you through the 2027 plans available in your county.
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.
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.
