Humana Medicare Supplement Review: Plans, Costs and Pros & Cons

Which Humana Medigap Plans Are Available in 2026

Humana sells Medicare Supplement insurance in all 50 states, Washington D.C., and Puerto Rico, giving it one of the broadest footprints of any Medigap carrier. The standardized plan letters Humana commonly offers include Plan A, Plan B, Plan C (pre-2020 eligibles only), Plan F and High-Deductible Plan F (pre-2020 eligibles only), Plan G, High-Deductible Plan G, Plan N, and Plans K and L in select states. In some states, Humana also markets its enhanced "Humana Achieve" Medigap line with richer discounts.

Because Medigap benefits are federally standardized, a Humana Plan G covers exactly the same medical costs as any other carrier's Plan G. What changes between insurers is price, rating method, discounts, customer service, and rate-increase history. For a side-by-side look at every letter, see our Medigap plans comparison chart.

Plan G: Humana's most popular option

Plan G covers nearly every gap in Original Medicare except the 2026 Part B deductible of $283. It includes the Part A inpatient hospital deductible of $1,736 in 2026, Part B coinsurance, skilled nursing facility coinsurance, Part B excess charges, foreign travel emergency (up to plan limits), and 365 extra hospital days after Medicare benefits end. Learn more in our deep dive on Medicare Supplement Plan G.

Plan N: Lower premium, small copays

Plan N covers everything Plan G covers except Part B excess charges. You also pay up to a $20 copay for some office visits and up to $50 for ER visits that don't result in admission. It typically costs $30 to $60 less per month than Plan G. See our full breakdown of Plan N coverage and costs.

High-Deductible Plan G

The 2026 annual deductible for High-Deductible Plans F and G is $2,950, up from $2,870 in 2025. You pay Medicare-covered costs out of pocket until you hit that threshold, after which the policy pays like standard Plan G. Premiums for High-Deductible Plan G with Humana can run as low as $40 to $72 per month in many markets. Read our analysis of whether High Deductible Plan G is worth the risk.

Humana Medicare Supplement Cost: What to Expect

Humana's Medigap premiums vary by ZIP code, age, gender, tobacco use, and the rating method used in your state. Independent 2026 analyses show a Humana Plan G base rate of about $177 per month for a 65-year-old female non-tobacco user, dropping to roughly $155 with the household discount applied. In higher-cost regions, quotes climb quickly. TheSeniorList's 2026 review put Humana Plan G in a range of roughly $192 to $221 in the markets it studied, while NerdWallet's 2026 pricing snapshot showed Humana Plan G at $378 in Los Angeles, $168 in Atlanta, and $173 in Dallas.

Sample 2026 monthly premiums by plan

How premiums change with age

Humana uses attained-age pricing in most states, meaning your premium climbs as you get older. MoneyGeek's 2026 analysis shows Humana Plan G rising from about $170 per month at age 65 to $202 at age 75, roughly $384 more per year by the time you turn 75. In community-rated states such as Arkansas, Idaho, Maine, Massachusetts, New York, Vermont, and Washington, age does not factor into the rate.

How Plan G varies by state

Based on 2026 sample quotes for a 65-year-old nonsmoker:

For a detailed look at average Medigap pricing across all carriers, see our guide on how much a Medicare Supplement plan costs in 2026.

Rate Increase History and Financial Strength

Humana's Medigap rate increases have been more consistent than volatile historically, but 2025 and 2026 have brought materially larger hikes. CSG Actuarial's January 2026 filing summary shows Humana Insurance Company filing 12.3% increases effective March 1, 2026 in the District of Columbia and North Carolina, plus Humana Achieve blocks at 16.5% the same date in Arkansas, Illinois, and Montana. Other tracked filings include Ohio Plan G at +25.03% effective April 1, 2026, along with Texas Plan G at +18.02% effective April 1, 2026, and a Humana New Jersey Plan G filing of +16.22% effective August 2025 following a +7.01% action in June 2024. Pennsylvania Plan G filed +19.53% effective November 2025, and separate analyses report Humana closed-block Plan F filings clearing the mid-30% range in Michigan and Nebraska.

Industry-wide, in early 2026, rate increase filings from the six largest Medigap carriers ranged from just over 12% to more than 26% for Plan G policies, according to Telos Actuarial, an independent Nebraska-based actuarial firm that tracks Medigap rate filings nationwide. Plan G premium increases filed with state insurance commissioners in early 2026 range from 12% to 26% across Aetna, Blue Cross Blue Shield, Cigna, Humana, Mutual of Omaha, and UnitedHealthcare. Loss ratios are a big driver: one analysis notes that in the last 12 months, Humana filed Plan G rate increases of 16% to 25% in every state reviewed, driven by loss ratios that reached or exceeded 100% in three of four states.

On the financial side, AM Best affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Ratings of "a" (Excellent) for the health and dental insurance subsidiaries of Humana Inc. in December 2025, with a stable outlook. AM Best took a subsequent rating action on March 6, 2026, assigning a Long-Term Issue Credit Rating of "bbb-" (Good) to Humana's $1 billion, 6.625% fixed rate junior subordinated notes due 2056, leaving the other Humana ratings unchanged. That is a step below the A+ (Superior) rating Mutual of Omaha holds, and comparable to where AARP/UnitedHealthcare landed after its August 2025 downgrade from A+ to A.

Humana Medigap Discounts

Humana offers stackable discounts that can meaningfully cut your premium. According to Humana's own 2026 materials and independent reviews:

• Household discount: Humana's household discounts are often 5%, though some states provide an enhanced 12% (available on Humana Achieve plans and select markets).
• Enhanced Humana Achieve discount: Humana Achieve Medicare Supplement plans include a 12% household discount on monthly premiums, generally available when you reside with a spouse, domestic partner, or one to three other adults.
• Online enrollment discount: Depending on the state where you live, you could get 6% off your monthly premium if you enroll online. Discount not available in CA, CT, OH and PA.
• Automatic payment discount: About $2 per month for paying via bank draft in some states.

Combined, these discounts can save eligible members up to roughly 18% on premiums when they all apply. That is competitive with most carriers but behind HealthSpring/Cigna under HCSC (which can stack up to 25%) and comparable to Mutual of Omaha's 7% to 12% household discount by state. For a broader look at how to compare quotes and discounts, see our shopper's guide to Medicare Supplement quotes.

Humana Underwriting and Approval Likelihood

If you apply during your six-month Medigap Open Enrollment Period (the window that starts when you are 65 and enrolled in Part B), Humana cannot deny coverage or charge you more based on health. The same federal guaranteed-issue protections apply during qualifying special enrollment situations, such as losing employer coverage.

Outside those windows, Humana uses medical underwriting. Expect a health questionnaire covering recent hospitalizations, pending surgeries, chronic conditions like diabetes or heart disease, and tobacco use. Approval is not guaranteed, and your premium may include a tobacco surcharge or a height-and-weight rerating.

How Humana Stacks Up Against the Competition

The four most-shopped Medigap carriers in 2026 are Humana, AARP/UnitedHealthcare, Mutual of Omaha, and Cigna (now HealthSpring under HCSC). Here is how they compare on the points that matter most.

• Humana vs AARP/UnitedHealthcare: AARP/UHC is often priced similarly to Humana at age 65 but uses community-rating in more states, which means premiums do not increase with age. See our full AARP Medicare Supplement review.
• Humana vs Mutual of Omaha: Mutual of Omaha offers a 7% to 12% household discount, an A+ (Superior) AM Best rating reaffirmed in April 2026, and substantially fewer complaints than Humana, though it has filed some steep 2026 rate increases. Read our Mutual of Omaha Medicare Supplement review.
• Humana vs Cigna/HealthSpring: HealthSpring (formerly Cigna, now HCSC-owned after the January 1, 2026 brand transition) typically has lower Plan G premiums and stackable discounts up to 25%, though it took a 19% rate action effective February 2026. See our Cigna Medicare Supplement review.

For an overview of how the top carriers rank, see our list of the best Medicare Supplement plans of 2026.

Common Humana Medigap Complaints

Independent reviews and NAIC data are not flattering. NerdWallet's 2026 Humana Medigap review notes that Humana members file complaints about their Medigap policies at more than triple the average for all Medigap companies, based on 2023 to 2025 NAIC data. TheSeniorList's 2026 analysis reaches a similar conclusion, finding Humana receives many times more complaints when compared with the Medigap industry average relative to its market share. State-level data reinforces the pattern (Indiana's health complaint index shows Humana Insurance Company well above the 1.00 industry average).

Common themes in complaints include:

• Claims delays and reimbursement issues, especially with hospital systems that do not have direct billing arrangements with Humana
• Confusing billing and policy administration, with independent BBB data showing billing issues drive a large share of formal complaints, followed by customer service problems and coverage denials
• Poor customer service responsiveness and difficulty resolving complex issues
• Slow appeals and prior authorization decisions across Humana's broader Medicare product lines

On a more positive note, NerdWallet's 2026 review credits Humana for offering a wide variety of Medigap plan types (A through N) with extras like SilverSneakers fitness benefits in some products.

How to Enroll in Humana Medicare Supplement

You can enroll in a Humana Medigap plan three ways:

1. Online at Humana.com: Get a quote with your ZIP code, age, and tobacco status, then complete the application. Many states qualify for the 6% online discount.
2. By phone: Call Humana's Medicare sales line to speak with a licensed agent who can walk you through plan letters and pricing in your area.
3. Through an independent broker: A broker who represents multiple carriers can compare Humana's quote against AARP/UHC, Mutual of Omaha, HealthSpring, and other major insurers in a single conversation.

The smartest move for most shoppers is to compare quotes from at least three carriers before committing. Standardized benefits mean you do not pay extra for a recognizable logo. See our state-by-state guide to Medicare Supplement plans by state for local rules and pricing.

Frequently Asked Questions

Is Humana a good Medicare Supplement company?

Humana is a financially strong national carrier with broad plan availability, but it is not usually the top pick on price or customer service. Independent 2026 reviews cite above-average premiums and a Medigap complaint rate more than three times the industry average. If brand familiarity matters and you qualify for the 12% household plus 6% online discount stack, Humana can be reasonable. Most shoppers, however, find better value with another A-rated carrier like Mutual of Omaha or HealthSpring.

What is Humana's rate increase history for Medigap?

Humana's Medigap rate increases have historically been in the mid-single digits, but 2025 and 2026 filings have run much higher across the industry. CSG Actuarial's January 2026 summary shows Humana Insurance Company at 12.3% in North Carolina and DC (effective March 1, 2026) and Humana Achieve at 16.5% in Arkansas, Illinois, and Montana (effective the same date). Other tracked filings include Ohio Plan G at +25.03% (April 2026), Texas Plan G at +18.02% (April 2026), Pennsylvania Plan G at +19.53% (November 2025), and New Jersey Plan G at +16.22% (August 2025). Closed Plan F blocks saw even steeper filings.

Does Humana require medical underwriting for Medigap?

Not during your Medigap Open Enrollment Period or qualifying guaranteed-issue events. Outside those windows, Humana uses medical underwriting and can deny coverage or charge more based on your health history, recent hospitalizations, and tobacco use. Some states like Connecticut, New York, Maine, and Massachusetts have year-round or expanded guaranteed-issue rights that override this.

How does Humana compare to AARP Medicare Supplement?

AARP/UnitedHealthcare uses community-rating in 43 states and generally has fewer complaints than Humana. AARP/UHC was downgraded by AM Best from A+ to A in August 2025 (with a stable outlook), while Humana's health subsidiaries hold an A (Excellent) rating affirmed in December 2025 and left in place after AM Best's March 6, 2026 action on Humana's new junior subordinated notes. AARP membership ($15 to $20 per year) is required to enroll in an AARP-branded plan, but its pricing structure tends to be more stable over time in community-rated states.

What discounts does Humana offer on Medicare Supplement plans?

Humana offers a household discount (5% standard, up to 12% on Humana Achieve plans in eligible states), a 6% online enrollment discount (not available in CA, CT, OH, or PA), and roughly a $2 per month automatic payment discount in some states. The Humana Achieve enhanced discount applies when you live with a spouse, domestic partner, or one to three other adults who have continuously resided with you for the past 12 months. Combined, eligible enrollees can save up to roughly 18% on their Medigap premium.