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

Humana Value Choice, 2027

H5216Contract072Plan

PPO · 20 counties in Florida

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

Takes in 1 plan

2026 star rating, contract H5216: 3.5 of 5

Humana Value Choice (H5216-072) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $5,600. In 2026 it was called HumanaChoice Florida. It takes in the members of H5216-304.

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.
What you pay or get	2026	2027	Change
Plan name	HumanaChoice Florida	Humana Value Choice	renamed
Drug deductible	$615	$700	up $85
Part B premium reduction, monthly	$2	$3.40	up $1.40
Hospital stay, in network	$400 a day for days 1–7, then $0 a day for days 8–90	$290 a day for days 1–6, then $0 a day for days 7–90	down $550for a 5-day stay
Eyewear, yearly limit	$350 a year	$200 a year	down $150
Hearing aids, yearly limit for both ears	$333.33 a year	not offered	dropped
Counties served	17	20	up 3
Drug tier 3, preferred brand	$47	17% of the cost	changed
Drug tier 4, non-preferred drug	40% of the cost	50% of the cost	up 10 points
13 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit	$5,600	$5,600	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$40 copay	$40 copay	no change
Emergency room	$130 copay	$130 copay	no change
Medical deductible, in network	none	none	no change
Skilled nursing facility, in network	$0 a day for days 1–20, then $160 a day for days 21–100	$0 a day for days 1–20, then $160 a day for days 21–100	no change
Ground ambulance, in network	$120 copay	$120 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$10	$10	no change
Drug tier 5, specialty tier	25% of the cost	25% of the cost	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	$10	$10
Tier 3	Preferred Brand	$47	17% of the cost
Tier 4	Non-Preferred Drug	40% of the cost	50% of the cost
Tier 5	Specialty Tier	25% 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, 152 plans open to everyone are sold for 2027, this one included. Against the others, 93 plans have a lower out-of-pocket limit, 58 a higher one. On the premium, 143 the same, 8 a higher one.

Out-of-pocket limits of the 152 plans open to everyone

$0 to under $2,0008 plans

$2,000 to under $4,00066 plans

$4,000 to under $6,000 (this plan)27 plans

$6,000 to under $8,00046 plans

$8,000 to $10,0005 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?

The premium and the out-of-pocket limit are the same in all 20 counties: $0 a month and $5,600.

Florida

Charlotte Citrus Collier DeSoto Hendry Hernando Highlands Hillsborough Lake Lee Manatee Marion Orange Osceola Pasco Pinellas Polk Sarasota Seminole Sumter

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

Which 2026 plans move into it, and what changes for their members?

For 2027 this plan takes in the members of 1 other plan, beside its own 11,577 members. In 2027 it costs $0 a month with a $5,600 limit; each row compares that with the plan its members had in 2026.

2026 plan	Members, Sept. 2026	Members who move	Premium 2026	Premium change	Limit 2026	Limit change
HumanaChoice FloridaH5216-304	17,392	17,274	$0	no change	$4,700	up $900

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision). Each moving plan's own page lists every line that changes for its members.

Who runs this plan?

Plan ID: H5216-072
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: 11,577
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 Lee, FLWhere 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.