Plan year 2027 · Humana · Otsego County, MI
Humana plans ending in Otsego County for 2027
Humana is ending 2 plans here for 2027 but still offers 9 other plans in Otsego County.
Step 1 · Check your plan
Is your Humana plan affected?
Tap your plan to see its 2027 status in Otsego County, or type its name.
Is your plan one of these?
Humana has notified CMS that 2 plans in Otsego County will no longer cover the full county starting January 1, 2027. Members will need to choose new coverage during the Annual Enrollment Period (October 15 – December 7, 2026). An estimated 180 Humana members in Otsego County are affected.
Affected Humana plans
| Plan | What's changing | Effective | What members must do |
|---|---|---|---|
Humana USAA Honor Giveback with Rx (PPO) H5216-305 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
Humana Full Access Giveback H5216-306 (PPO) H5216-306 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
What this means for you
If your plan is reducing its service area
The plan continues elsewhere but is dropping Otsego County. Because you live in the county being dropped, you are treated the same as a member of a terminated plan: you must pick new coverage and receive the same Special Enrollment Period and Medigap protections.
Can you stay with Humana in Otsego County?
Yes. Humana offers 9 other Medicare Advantage plans in Otsego County for 2027, so switching plans doesn't have to mean switching carriers. Check that your doctors and prescriptions carry over before you choose.
| Plan | Type | Monthly premium |
|---|---|---|
| Humana Dual Select H5216-385 (PPO D-SNP)Humana$0/moPPO D-SNP | PPO D-SNP | $0 |
| Humana Full Access Giveback (PPO)Humana$0/moPPO | PPO | $0 |
| Humana USAA Honor Giveback (PPO)Humana$0/moPPO | PPO | $0 |
Showing the 3 lowest-premium of 9 Humana plans.
Plans available in Otsego County for 2027
Losing a plan does not mean losing options. 52 Medicare Advantage plans from 10 carriers are offered in Otsego County, Michigan for 2027. 32 have a $0 monthly premium, and 9 are D-SNP plans for people with both Medicare and Medicaid.
| Plan | Type | Monthly premium |
|---|---|---|
| AARP Medicare Advantage from UHC MI-0001 (PPO)UnitedHealthcare$0/moPPO | PPO | $0 |
| AARP Medicare Advantage from UHC MI-4 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)UnitedHealthcare$0/moPPO | PPO | $0 |
| AARP Medicare Advantage Patriot No Rx MI-MA2 (HMO-POS)UnitedHealthcare$0/moHMO-POS | HMO-POS | $0 |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare$0/moHMO-POS | HMO-POS | $0 |
Showing the 5 lowest-premium of 52 available plans. 2027 star ratings are published by CMS in early October 2026. Premiums shown are the consolidated Part C + D monthly premium.
Dates that matter
Your ANOC letter arrives
Carriers must mail the Annual Notice of Change — and non-renewal notices — before enrollment opens.
Annual Enrollment Period
Pick your 2027 plan. Coverage you choose starts January 1, 2027.
How it works →Medicare Advantage Open Enrollment
Already in a Medicare Advantage plan on January 1? You can make one change: switch plans or go back to Original Medicare.
How it works →
Other carriers changing plans in Otsego County
Other Michigan counties Humana is leaving
Step 2 · Tell us where to send your options
Losing your Humana plan? Here are your options
Step 3 · Choose your path
You're all set.
Both options are free. Either way, your information stays with our office.