What happened
On its July 29, 2026 earnings call, Humana said it will stop offering Medicare Advantage plans that cover roughly 600,000 members in 2027. That is about 8% of its 7.2 million Medicare Advantage members. Humana has not published a list of which plans or which counties are affected, so there is nothing a member can look up.
Under Medicare's notice rules, a plan that is ending has to tell affected members by September 30, which means those letters go out this month. Current coverage runs normally through December 31, 2026.
The letter is the only place this exists
The letter is the only place this information exists right now. No lookup tool, no county list, no page on a website you can check. If your plan is on the list, you find out because an envelope shows up. That is the whole system.
A plan ending is not automatically bad news. It unlocks rights you do not have in a normal year, and the biggest one is easy to miss. When your Medicare Advantage plan terminates, federal law gives you a guaranteed-issue window of 63 days after your coverage ends to buy a Medicare Supplement policy, also called a Medigap plan. No health questions. No underwriting. If you have a diagnosis that would normally get you declined or surcharged, that window may be the best shot you get at Original Medicare with a supplement behind it. Miss the 63 days and most states let a carrier price you on your health history again.
The other thing people get wrong: they read the letter, feel sick about it, and put it in a drawer. The date on that letter starts clocks. Take a picture of it before you file it.
Craig
What to do when yours arrives
- Open the envelope. If it says your plan will not be offered in 2027, that is a plan ending, not a benefit change.
- Medicare's Annual Enrollment Period runs October 15 to December 7, 2026. You can pick a new plan there.
- If you miss that window, a plan ending gives you a special enrollment window that runs December 8 through the end of February 2027.
- Want Original Medicare plus a Medicare Supplement instead? The guaranteed-issue window is 63 days after your coverage ends. Do not sit on it.
- Check your prescriptions and your doctors against any plan you are considering before you enroll, not after.
I am independent, and this is exactly the situation where that matters. The carrier that dropped your plan is not the only shelf I can shop. When a plan ends I can move you to any carrier available in your county, or to Original Medicare with a supplement if that fits you better. An agent who works for one company can only offer you what that one company still sells.
Not sure how this affects your coverage? Book a free 15-min Healthcare Review or ask Solo at insuredaf.com/diy/.
