Humana's Non-Renewal Notices Are Reaching Mailboxes Now for 600,000 Medicare Advantage Members Whose Plans End in 2027

Humana confirmed during its July 29, 2026 earnings call that it will exit Medicare Advantage plans covering approximately 600,000 members for the 2027 plan year, representing about 8 percent of its total Medicare Advantage enrollment of roughly 7.2 million. Non-renewal letters are being mailed to affected members in September 2026, ahead of the federal deadline requiring plans to notify members of plan terminations by September 30.

The exits are concentrated in contracts rated 3.5 stars or below under Medicare's quality bonus system, though Humana leadership stated the decisions were not driven solely by star ratings. The company expects to recapture roughly 40 percent of departing members by offering them other Humana plans that will continue operating.

Members who receive a non-renewal notice have several options before coverage ends December 31, 2026. A Special Enrollment Period is available from the date of the notice through February 28, 2027, during which affected members can join a new Medicare Advantage or Part D plan outside the standard calendar. The Annual Enrollment Period, running October 15 through December 7, 2026, is another window to compare and switch coverage for 2027.

Members who choose to return to traditional Medicare and purchase a Medigap supplemental policy within 63 days of their plan's end date have a federal guaranteed-issue right. Under that right, insurers may not decline applicants or charge more based on health status. Humana's exit is part of a broader pattern, with other major insurers and regional plans also reducing their Medicare Advantage footprints for 2027.