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Plan year 2026 · coverage ends Dec. 31, 2026CMS crosswalk of Oct. 1, 2026

HumanaChoice is not offered under this ID in 2027

H5216Contract437Plan

PPO · served 75 counties in Colorado, New Mexico in 2026

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

CMS crosswalk: members move into H5216-436 in 71 of its 75 counties; in the others the plan ends

Folds in part

HumanaChoice (H5216-437) is not offered under this ID in 2027. The CMS plan crosswalk of October 1, 2026 moves its members into Humana USAA Honor Giveback (H5216-436), in the 71 counties where that plan is sold (1,455 members in September 2026). In its other 4 counties (260 members) there is no plan to move into: coverage ends December 31, 2026, and members there need to choose a new plan (counties with fewer than 11 members are not counted).

What changes for its members in Humana USAA Honor Giveback?

For members in the 71 counties where Humana USAA Honor Giveback is sold: this plan's 2026 amounts beside Humana USAA Honor Giveback (H5216-436) in 2027. The changed lines are marked and come first.
What you pay or get20262027Change
Plan nameHumanaChoiceHumana USAA Honor Givebackrenamed
In-network out-of-pocket limit, by county$4,150$5,150 to $6,200up $2,050 at the top
Part B premium reduction, monthly (best in its area)none$135added
Specialist visit (best in its area)$40 copay$45 copayup $5
Emergency room (best in its area)$115 copay$130 copayup $15
Medical deductible, in network (best in its area)none$250added
Hospital stay, in network (best in its area)$325 a day for days 1–6, then $0 a day for days 7–90$340 a day for days 1–6, then $0 a day for days 7–90up $75for 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$10 a day for days 1–20, then $221 a day for days 21–100up $230for a 30-day stay
Ground ambulance, in network (best in its area)$335 copay$325 copaydown $10
Eyewear, yearly limit (best in its area)$200 a year$150 a yeardown $50
Counties served7588up 13
5 lines do not change
Monthly premium$0$0no change
Primary care visit (best in its area)$0 copay$0 copayno change
Comprehensive dental, yearly limit (best in its area)not offerednot offeredno change
Hearing aids, yearly limit for both ears (best in its area)not offerednot offeredno change
Over-the-counter items, yearly (best in its area)not offerednot offeredno change

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); 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. Your plan's Annual Notice of Change is the letter that confirms your 2027 plan; confirm on Medicare Plan Finder.

What can members do, and by when?

If you live in Adams (CO), Arapahoe (CO), Archuleta (CO), Bent (CO), Boulder (CO), Broomfield (CO), Clear Creek (CO), Conejos (CO), Costilla (CO), Crowley (CO), Custer (CO), Delta (CO), Denver (CO), Dolores (CO), Douglas (CO), El Paso (CO), Elbert (CO), Fremont (CO), Gilpin (CO), Grand (CO), Gunnison (CO), Hinsdale (CO), Huerfano (CO), Jackson (CO), Jefferson (CO), La Plata (CO), Lake (CO), Larimer (CO), Lincoln (CO), Logan (CO), Mesa (CO), Mineral (CO), Montrose (CO), Morgan (CO), Otero (CO), Ouray (CO), Park (CO), Pueblo (CO), Rio Blanco (CO), Saguache (CO) and 31 more (listed below)

If you do nothing
You are moved into Humana USAA Honor Giveback on January 1, 2027.
October 15 to December 7, 2026
Open enrollment: choose another Medicare Advantage plan, or Original Medicare with a drug plan, instead.

If you live in Alamosa (CO), Las Animas (CO), Luna (NM), McKinley (NM)

Your coverage
Ends December 31, 2026: Humana USAA Honor Giveback is not sold where you live.
October 15 to December 7, 2026
Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
December 8, 2026 to the end of February 2027
A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
If you do nothing
You are enrolled in Original Medicare when the plan ends, without a drug plan unless you join one (with Extra Help or full Medicaid, Medicare enrolls you in one).

Source: Medicare.gov, “Special enrollment periods” and “Joining a plan” (read Oct. 7, 2026).

Where did its members live?

Where its members lived in September 2026; each county and state page lists the 2027 plans sold there.

All 75 counties, most members first; CMS hides counts under 11 per county, so the counties add up to a little less than the plan's total
CountyMembers, Sept. 2026For 2027
McKinley, NM213plan ends here
Mesa, CO157moves into H5216-436
El Paso, CO147moves into H5216-436
Larimer, CO101moves into H5216-436
Bernalillo, NM91moves into H5216-436
Weld, CO71moves into H5216-436
Arapahoe, CO57moves into H5216-436
Delta, CO56moves into H5216-436
Jefferson, CO55moves into H5216-436
Santa Fe, NM51moves into H5216-436
Pueblo, CO49moves into H5216-436
Taos, NM49moves into H5216-436
Dona Ana, NM42moves into H5216-436
Montrose, CO41moves into H5216-436
Boulder, CO39moves into H5216-436
Las Animas, CO36plan ends here
Denver, CO35moves into H5216-436
San Juan, NM34moves into H5216-436
Sandoval, NM33moves into H5216-436
Douglas, CO28moves into H5216-436
Show the other 55 counties
CountyMembers, Sept. 2026For 2027
Otero, CO28moves into H5216-436
Adams, CO24moves into H5216-436
Huerfano, CO22moves into H5216-436
Archuleta, CO21moves into H5216-436
Park, CO21moves into H5216-436
Chaves, NM21moves into H5216-436
Sierra, NM21moves into H5216-436
Valencia, NM20moves into H5216-436
Colfax, NM17moves into H5216-436
Lincoln, NM17moves into H5216-436
Logan, CO16moves into H5216-436
Eddy, NM16moves into H5216-436
Rio Arriba, NM16moves into H5216-436
Curry, NM13moves into H5216-436
Lea, NM13moves into H5216-436
Alamosa, CO11plan ends here
Fremont, CO11moves into H5216-436
Teller, CO11moves into H5216-436
Cibola, NM11moves into H5216-436
Bent, COfewer than 11moves into H5216-436
Broomfield, COfewer than 11moves into H5216-436
Clear Creek, COfewer than 11moves into H5216-436
Conejos, COfewer than 11moves into H5216-436
Costilla, COfewer than 11moves into H5216-436
Crowley, COfewer than 11moves into H5216-436
Custer, COfewer than 11moves into H5216-436
Dolores, COfewer than 11moves into H5216-436
Elbert, COfewer than 11moves into H5216-436
Gilpin, COfewer than 11moves into H5216-436
Grand, COfewer than 11moves into H5216-436
Gunnison, COfewer than 11moves into H5216-436
Hinsdale, COfewer than 11moves into H5216-436
Jackson, COfewer than 11moves into H5216-436
La Plata, COfewer than 11moves into H5216-436
Lake, COfewer than 11moves into H5216-436
Lincoln, COfewer than 11moves into H5216-436
Mineral, COfewer than 11moves into H5216-436
Morgan, COfewer than 11moves into H5216-436
Ouray, COfewer than 11moves into H5216-436
Rio Blanco, COfewer than 11moves into H5216-436
Saguache, COfewer than 11moves into H5216-436
San Juan, COfewer than 11moves into H5216-436
San Miguel, COfewer than 11moves into H5216-436
Catron, NMfewer than 11moves into H5216-436
DeBaca, NMfewer than 11moves into H5216-436
Grant, NMfewer than 11moves into H5216-436
Guadalupe, NMfewer than 11moves into H5216-436
Los Alamos, NMfewer than 11moves into H5216-436
Luna, NMfewer than 11plan ends here
Mora, NMfewer than 11moves into H5216-436
Quay, NMfewer than 11moves into H5216-436
Roosevelt, NMfewer than 11moves into H5216-436
San Miguel, NMfewer than 11moves into H5216-436
Socorro, NMfewer than 11moves into H5216-436
Torrance, NMfewer than 11moves into H5216-436

Source: CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).

What else should you check?