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

HumanaChoice, 2027

R5826Contract005Plan

Regional PPO · 67 counties in Florida

Run by Humana Insurance Company (contract R5826), sold as Humana, owned by Humana Inc.

Renews for 2027

2026 star rating, contract R5826: 3.5 of 5

HumanaChoice (R5826-005) costs $161 a month in 2027, down $23 from 2026, with an in-network out-of-pocket limit of $6,700.

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
Monthly premium	$184	$161	down $23
Drug deductible	$615	$700	up $85
Hearing aids, yearly limit for both ears	$333.33 a year	not offered	dropped
Drug tier 2, generic	$15	$0	down $15
Drug tier 3, preferred brand	$47	25% of the cost	changed
Drug tier 4, non-preferred drug	50% of the cost	42% of the cost	down 8 points
15 lines do not change
In-network out-of-pocket limit	$6,700	$6,700	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$45 copay	$45 copay	no change
Emergency room	$130 copay	$130 copay	no change
Medical deductible, in network	$750	$750	no change
Hospital stay, in network	$250 a day for days 1–7, then $0 a day for days 8–90	$250 a day for days 1–7, then $0 a day for days 8–90	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
Eyewear, yearly limit	$100 a year	$100 a year	no change
Over-the-counter items, yearly	not offered	not offered	no change
Counties served	67	67	no change
Drug tier 1, preferred generic	$0	$0	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	$15	$0
Tier 3	Preferred Brand	$47	25% of the cost
Tier 4	Non-Preferred Drug	50% of the cost	42% 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, 297 plans open to everyone are sold for 2027, this one included. Against the others, 207 plans have a lower out-of-pocket limit, 3 the same, 86 a higher one. On the premium, 295 plans have a lower premium, 1 a higher one.

Out-of-pocket limits of the 297 plans open to everyone

$0 to under $2,00016 plans

$2,000 to under $4,000125 plans

$4,000 to under $6,00059 plans

$6,000 to under $8,000 (this plan)87 plans

$8,000 to $10,00010 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 67 counties: $161 a month and $6,700.

Florida

Alachua Baker Bay Bradford Brevard Broward Calhoun Charlotte Citrus Clay Collier Columbia DeSoto Dixie Duval Escambia Flagler Franklin Gadsden Gilchrist Glades Gulf Hamilton Hardee Hendry Hernando Highlands Hillsborough Holmes Indian River Jackson Jefferson Lafayette Lake Lee Leon Levy Liberty Madison Manatee Marion Martin Miami-Dade Monroe Nassau Okaloosa Okeechobee Orange Osceola Palm Beach Pasco Pinellas Polk Putnam Santa Rosa Sarasota Seminole St. Johns St. Lucie Sumter Suwannee Taylor Union Volusia Wakulla Walton Washington

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: R5826-005
Legal name of the contract: Humana Insurance Company
Sold as: Humana
Parent company: Humana Inc.
Plan type: Regional PPO
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3.5 of 5
Members, September 2026: 1,138
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 Collier, 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 2 plans of contract R5826Same 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.