Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

HumanaChoice, 2027

H5216Contract043Plan

PPO · 97 counties in Texas

Run by Humana Insurance Company (contract H5216), sold as Humana, owned by Humana Inc.

Renews for 2027

2026 star rating, contract H5216: 3.5 of 5

HumanaChoice (H5216-043) costs $0 to $20 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $6,800 to $8,150 depending on the county ($6,800 to $7,700 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it. Where the plan files different amounts for parts of its area, the premium and limit show their range (your county's are in the table below). The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit, by county	$6,800 to $7,700	$6,800 to $8,150	up $450 at the top
Drug deductible	$420	$700	up $280
Part B premium reduction, monthly (best in its area)	$2	none	dropped
Medical deductible, in network (best in its area)	$750	$175	down $575
Hospital stay, in network (best in its area)	$345 a day for days 1–6, then $0 a day for days 7–90	$390 a day for days 1–6, then $0 a day for days 7–90	up $225for a 5-day stay
Skilled nursing facility, in network (best in its area)	$0 a day for days 1–20, then $218 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network (best in its area)	$335 copay	$325 copay	down $10
Drug tier 3, preferred brand	$47	17% of the cost	changed
Drug tier 4, non-preferred drug	48% of the cost	41% of the cost	down 7 points
Drug tier 5, specialty tier	28% of the cost	25% of the cost	down 3 points
11 lines do not change
Monthly premium	$0 to $20	$0 to $20	no change
Primary care visit (best in its area)	$0 copay	$0 copay	no change
Specialist visit (best in its area)	$40 copay	$40 copay	no change
Emergency room (best in its area)	$115 copay	$115 copay	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Eyewear, yearly limit (best in its area)	$150 a year	$150 a year	no change
Hearing aids, yearly limit for both ears (best in its area)	not offered	not offered	no change
Over-the-counter items, yearly (best in its area)	not offered	not offered	no change
Counties served	97	97	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$5	$5	no change

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$5	$5
Tier 3	Preferred Brand	$47	17% of the cost
Tier 4	Non-Preferred Drug	48% of the cost	41% of the cost
Tier 5	Specialty Tier	28% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 205 plans open to everyone are sold for 2027, this one included. Against the others, 119 plans have a lower out-of-pocket limit, 2 the same, 83 a higher one. On the premium, 163 the same, 41 a higher one.

Its limit differs by county ($6,800 to $8,150); the chart marks its lowest.

Out-of-pocket limits of the 205 plans open to everyone

$0 to under $2,0002 plans

$2,000 to under $4,00048 plans

$4,000 to under $6,00046 plans

$6,000 to under $8,000 (this plan)83 plans

$8,000 to $10,00026 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

97 counties, grouped by what the plan costs there
Monthly premium	Out-of-pocket limit	Where
$0	$6,800	Austin (TX), Bowie (TX), Calhoun (TX), Cass (TX), Delta (TX), Eastland (TX), Fannin (TX), Fayette (TX), Hardin (TX), Harris (TX), Lamar (TX), Liberty (TX), Matagorda (TX), Montgomery (TX), Orange (TX), Palo Pinto (TX), Polk (TX), Red River (TX), San Jacinto (TX), Titus (TX), Trinity (TX), Tyler (TX), Victoria (TX), Washington (TX), Wharton (TX)
$12	$8,150	Anderson (TX), Camp (TX), Cherokee (TX), Franklin (TX), Gregg (TX), Harrison (TX), Henderson (TX), Marion (TX), Morris (TX), Panola (TX), Rusk (TX), Shelby (TX), Smith (TX), Upshur (TX), Van Zandt (TX)
$20	$7,700	Aransas (TX), Armstrong (TX), Atascosa (TX), Bandera (TX), Bee (TX), Bexar (TX), Caldwell (TX), Callahan (TX), Cameron (TX), Carson (TX), Coleman (TX), Collin (TX), Comal (TX), Cooke (TX), Dallas (TX), Deaf Smith (TX), Dimmit (TX), Ector (TX), Edwards (TX), El Paso (TX), Ellis (TX), Frio (TX), Galveston (TX), Grayson (TX), Guadalupe (TX), Hidalgo (TX), Hill (TX), Hood (TX), Howard (TX), Jefferson (TX), Jim Wells (TX), Johnson (TX), Kaufman (TX), Kendall (TX), Kerr (TX), Kleberg (TX), Lubbock (TX), Martin (TX), Maverick (TX), McLennan (TX), Medina (TX), Midland (TX), Montague (TX), Navarro (TX), Nueces (TX), Parker (TX), Potter (TX), Randall (TX), Real (TX), Rockwall (TX), San Patricio (TX), Shackelford (TX), Tarrant (TX), Willacy (TX), Wilson (TX), Wise (TX), Wood (TX)

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H5216-043
Legal name of the contract: Humana Insurance Company
Sold as: Humana
Parent company: Humana Inc.
Plan type: PPO
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3 of 5
Members, September 2026: 39,152
Plan website, as filed with CMS: www.humana.com/medicare

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Harris, TXWhere most of its members live; premiums and limits side by side
Every Humana plan for 2027Its contracts, counties and plans that end
The other 212 plans of contract H5216Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.