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.

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

For 2026, the annual deductible for the high-deductible versions of Plans F, G, and J is $2,950, effective January 1, 2026. 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 $70 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 Humana Plan G at around $170 per month at age 65, roughly $10 above the national Plan G average. In higher-cost regions, quotes run notably steeper. One 2026 review of a 65-year-old nonsmoker in a Northeastern suburban area found Humana Plan G premiums ranging from $192 to $221 per month.

Sample 2026 monthly premiums by plan

How premiums change with age

Humana uses attained-age pricing in most states, which means your premium climbs as you get older. A 2026 analysis showed Humana Plan G rising from about $170 per month at age 65 to roughly $202 at age 75, a total increase of $32 per month (about 19%) over a decade. In community-rated states such as Arkansas, Idaho, Maine, Massachusetts, New York, Vermont, and Washington, age doesn't factor into the rate. New Jersey rates offer a good example of a community-rated market. Official New Jersey Medigap rates for January 2026 show Humana Achieve Plan G at $223.39 per month and Humana Value Plan G at $211.51 per month for age 65.

How Plan G varies by state

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-increase track record is moderate but consistent. CSG Actuarial's April 2025 filing summary showed Humana Insurance Company taking an 8.3% Medigap rate increase and Humana Insurance Company (Achieve) at 10.7%, both effective June 1, 2025. Actuarial commentary suggests these hikes are in line with historical patterns rather than the industry's most aggressive. Telos Actuarial reports that Aetna and Mutual of Omaha have pursued significantly larger rate increases in 2025, while Cigna and Humana rate increases are more aligned with what they have taken historically. Independent estimates put long-run annual increases on Humana Plan G at roughly 2% to 3% on top of any age-based attained-age bumps.

On the financial side, MedicareFAQ's 2026 review lists Humana with an A- rating from AM Best, indicating strong claims-paying ability. That's comparable to most major Medigap carriers, though below the A+ (Superior) ratings held by AARP/UnitedHealthcare and Mutual of Omaha.

Humana Medigap Discounts

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

• Household discount: Household discounts are often 5%, though some states provide an enhanced 12% (available on Humana Achieve plans and in select markets). Requires another adult in the home (rules vary by state).
• Online enrollment discount: Depending on the state, you could get 6% off your monthly premium if you enroll online, but this discount is not available in California, Connecticut, Ohio, or Pennsylvania.
• Automatic payment discount: About $2 per month for paying via bank draft in some states.
• Early enrollment discount: Some sources cite a discount for enrolling as soon as you become Medicare-eligible, but availability varies by state and product.

Combined, these discounts can save members up to roughly 18% on premiums when they all apply. That's competitive with most carriers but slightly behind Cigna/HealthSpring (which can stack up to 25%) and comparable to Mutual of Omaha's 12% household discount alone.

Humana Underwriting and Approval Likelihood

If you apply during your six-month Medigap Open Enrollment Period (the window that starts when you're 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. For a primer on what underwriters look at, see our guide on how to get Medicare Supplement quotes.

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's 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 don't increase with age. See our full AARP Medicare Supplement review.
• Humana vs Mutual of Omaha: Mutual of Omaha offers a 12% household discount, an A+ (Superior) AM Best rating, and substantially fewer complaints than Humana, though it has filed some of the steepest 2026 rate increases. Read our Mutual of Omaha Medicare Supplement review.
• Humana vs Cigna/HealthSpring: HealthSpring (formerly Cigna) typically has lower Plan G premiums and stackable discounts up to 25%, though customer service complaints exist around the recent HCSC rebrand. See our Cigna Medicare Supplement review.

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

Common Humana Medigap Complaints

Independent reviews and NAIC data are not flattering. NerdWallet reports Humana gets more than triple the average number of complaints for its Medigap policies, and a separate TheSeniorList analysis found Humana receives nearly nine times as many complaints as expected relative to its market share. Investopedia puts Humana's NAIC complaint index near 4, calling it far worse than any other carrier on their best-of list.

Common themes in complaints include:

• Claims delays and reimbursement issues, especially with hospital systems that don't have direct billing arrangements with Humana
• Confusing billing and policy administration
• Poor customer service responsiveness and difficulty resolving complex issues
• Service frustrations around claims handling, prior authorizations, and network issues remain a key drawback of Humana's Medicare plans

On a more positive note, NerdWallet found Humana Medigap plans spent 87% of premiums on member benefits, above the overall Medigap average of 84.5%, though other analyses have placed Humana's medical loss ratio slightly below the industry average.

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 don't pay extra for a recognizable logo. For step-by-step guidance, see our shopper's guide to Medicare Supplement quotes and our state-by-state guide to Medicare Supplement plans by state.

Frequently Asked Questions

Is Humana a good Medicare Supplement company?

Humana is a financially strong national carrier with broad plan availability, but it's not usually the top pick on price or customer service. Independent 2026 reviews flag higher-than-average premiums and a complaint rate anywhere from three to nine times the industry norm depending on the data set. If brand familiarity matters and you qualify for multiple discounts, Humana can be reasonable, but most shoppers find better value with another A-rated carrier.

What is Humana's rate increase history for Medigap?

Humana's Medigap rate increases are moderate but consistent. CSG Actuarial recorded an 8.3% increase for Humana Insurance Company and 10.7% for Humana Achieve effective June 2025, with about 2% to 3% per year being typical for Plan G over the long run. In attained-age states, your premium also rises as you age, so total annual increases can compound noticeably.

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 more states and generally has fewer complaints than Humana. Humana's 6% online enrollment discount is offered in more markets than AARP/UHC's enrollment discount, but AARP/UHC's pricing structure tends to be more stable over time. AARP membership ($15 to $20 per year) is required to enroll in an AARP-branded plan.

What discounts does Humana offer on Medicare Supplement plans?

Humana offers a household discount (5% standard, up to 12% on Humana Achieve), 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. Some products and states also offer an early enrollment discount. Combined, eligible enrollees can save up to roughly 18% on their Medigap premium.