Find a Medicare Part D prescription drug plan for 2027
Medicare Part D
Prescription Drug Coverage 2027
Humana Medicare Part D Plans 2027: Basic Rx, Premier Rx and Value Rx
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 31, 2026
Humana Medicare Part D plans for 2027 are three standalone drug plans, Humana Basic Rx, Humana Premier Rx and Humana Value Rx, and Humana files all three in each of Medicare’s 34 regions. All three sit under one contract that CMS rated 4.5 stars for 2027, but premiums, drug lists and pharmacy pricing still differ by plan and area.
2027 by the Numbers
102
Humana standalone plan filings for 2027 (our count of CMS 2027 plan filings)
4.5
2027 star rating for Humana’s standalone drug plan contract S5884 (Humana, Oct 9, 2026)
$2,400
2027 out-of-pocket cap on covered Part D drugs (CMS)
$700
highest deductible a 2027 Part D plan may charge (CMS)
Humana is the largest filer of standalone Part D plans for 2027 in our count, and it is the one company that puts three separate drug plans in every region of the country. That reach does not make a Humana plan the right buy for you, since each plan’s price depends on your drugs and your pharmacy.
This page looks only at Humana’s three 2027 standalone plans: how they line up, what the new star rating covers, and how the 2027 premium shifts reported by KFF may add up over a year. For the rules every 2027 drug plan follows, start with our Medicare Part D plans 2027 hub.
Key Takeaways
- Humana filed 102 standalone drug plans for 2027 in our count: Basic Rx, Premier Rx and Value Rx in all 34 regions.
- All three plans share contract S5884, which Humana reports earned 4.5 stars for 2027, so the rating is the same for each plan.
- KFF found that people who keep Basic Rx in 28 states face premium increases of $6.30 to $30.60 a month for 2027.
- Premier Rx and Value Rx use preferred pharmacies, and Humana warns the lower prices may not apply at the pharmacy you use.
- Every Humana plan follows the 2027 limits: a deductible of no more than $700 and a $2,400 cap on covered drug costs.
Humana's Three 2027 Standalone Drug Plans
Humana sells its standalone Part D coverage under a single national contract, S5884. In the CMS plan files for 2027, that contract holds 102 individual plan filings: one Basic Rx, one Premier Rx and one Value Rx in each of the 34 Part D regions. Medicare Plan Finder counts can differ slightly from our count, and the plans you can join depend on your ZIP code.
| 2027 Humana plan | Regions filed (our count) | What to look at first |
|---|---|---|
| Humana Basic Rx Plan (PDP) | 34 of 34 | Its 2027 premium in your state and whether it uses a deductible |
| Humana Premier Rx Plan (PDP) | 34 of 34 | Whether a preferred pharmacy near you gives the lower listed prices |
| Humana Value Rx Plan (PDP) | 34 of 34 | Its formulary and preferred pharmacy pricing for your drugs |
Our count of CMS 2027 plan filings. Premiums, deductibles and copays are set plan by plan and region by region; check each plan’s 2027 Summary of Benefits and Evidence of Coverage.
KFF notes that Humana is the only insurer offering three standalone plans in all 34 regions for 2027, in a year when fewer plans are on the market overall.
What Humana's 4.5-Star Rating Covers
Medicare gives star ratings to contracts, not to single plans. Because Basic Rx, Premier Rx and Value Rx all run under contract S5884, all three carry the same 2027 rating. Humana announced on October 9, 2026, that the contract earned 4.5 stars. A rating of 4.5 is near the top this year, since CMS reports that no standalone drug plan contract earned 5 stars for 2027.
4.5
Humana standalone plan contract rating for 2027
0
standalone drug plan contracts at 5 stars (CMS)
11 of 41
standalone contracts at 4 stars or more (CMS)
Keep it in proportion: Stars measure things like customer service, complaints and how members take their drugs. A high rating does not mean a plan covers your medicine or charges the least for it.
2027 Premium Shifts Reported for Humana Plans
Humana has not posted one national premium for each plan, because prices change by region. KFF studied what current members would pay if they stayed in the same plan for 2027. Its findings for Humana are below, with our yearly math added. Your own change may be smaller, larger or a decrease, depending on the plan and area.
| Humana plan | Reported 2027 monthly change (KFF) | Our math: added cost over 12 months |
|---|---|---|
| Basic Rx, members in 28 states | Up $6.30 to $30.60 | $75.60 to $367.20 more a year |
| Value Rx, members in 5 states | Up $17.20 to $22.30 | $206.40 to $267.60 more a year |
| Premier Rx | Not broken out by KFF | Check your 2027 Annual Notice of Change |
Monthly changes from KFF’s 2027 standalone plan analysis; yearly figures are our multiplication by 12. Premiums vary by region.
One reason for wider swings this year is that the Part D Premium Stabilization Demonstration ended after 2026. That program had trimmed standalone premiums by $10 a month and capped how much they could rise. With it gone, a plan’s 2027 price leans more on its own costs. Our Medicare Part D premium 2027 page covers the national figures.
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Preferred Pharmacies in Premier Rx and Value Rx
Humana says Premier Rx and Value Rx have a limited set of preferred pharmacies in some urban, suburban and rural areas. It also warns that the lower costs shown in plan materials may not be available at the pharmacy you use. That makes the pharmacy question as important as the premium.
Pharmacy checks for a Humana plan
✔
Look up your usual pharmacy in the plan’s 2027 pharmacy directory and note if it is preferred or standard
✔
Price each drug at both a preferred and a standard pharmacy in Medicare Plan Finder
✔
Ask whether a 90-day supply or mail order lowers the copay for drugs you take every day
✔
Recheck the directory in the new year, since networks can change
Rules Every Humana Plan Follows in 2027
Humana sets its own formularies and copays, but federal rules set the outer limits for all three plans.
Set by Medicare for 2027
✔
Deductible of no more than $700
✔
$2,400 cap on covered drug costs, then $0
✔
Covered insulin capped at $35 a month
✔
Recommended adult vaccines at $0
✔
Medicare Prescription Payment Plan offered
Set by Humana, plan by plan
✔
Monthly premium in each region
✔
Which drugs are on the formulary
✔
Drug tiers and copays
✔
Preferred pharmacy network
✔
Prior authorization and step therapy rules
Humana’s own plan page says all of its 2027 Part D plans include the $2,400 cap and the $35 insulin limit. Our Medicare Part D formulary 2027 guide explains tiers and exceptions.
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Humana Plans Next to Other 2027 Choices
Most states have between 7 and 12 standalone drug plans for 2027 in our count, so a Humana plan is usually one of several. Lining Humana up against other companies on the same drug list is the only fair test.
| Company | 2027 standalone filings (our count) | Plans per region |
|---|---|---|
| Humana | 102 | 3 in every region |
| UnitedHealthcare | 73 | Up to 2 |
| Wellcare | 68 | Up to 2 |
| HealthSpring | 40 | 1 or 2 |
| Aetna (SilverScript) | 20 | 1 where offered |
Our count of CMS 2027 plan filings; a market count, not a ranking.
Compare other companies on our best Medicare Part D plans 2027 page or the state view at compare Part D plans by state.
How to Decide Between Humana's Plans
1
List your drugs Write down each drug, its strength and how often you fill it.
2
Price all three Humana plans Enter the list in Medicare Plan Finder and note the yearly total for Basic Rx, Premier Rx and Value Rx.
3
Add the premium Multiply each plan’s 2027 monthly premium by 12 and add it to the drug total.
4
Check the rules on each drug Look for prior authorization, step therapy or quantity limits on the plan’s 2027 formulary.
5
Compare outside Humana Run the same list against other companies in your region before December 7, 2026.
Already a Humana member? Your 2027 Annual Notice of Change lists your new premium and any drug changes. If you do nothing, you usually stay in the same plan for 2027 as long as it is still offered.
The Bottom Line
The Bottom Line
Humana is the one company with three standalone drug plans in every region for 2027, and its contract carries a 4.5-star rating. Premiums for Basic Rx and Value Rx rise in many states, so the yearly cost for your own drugs, at your own pharmacy, is the number to compare.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) to get information on all of your options.
Frequently Asked Questions
➤ What Humana Part D plans are available in 2027?
Humana offers Humana Basic Rx, Humana Premier Rx and Humana Value Rx as standalone drug plans for 2027. In our count of CMS 2027 plan filings, Humana filed all three in each of the 34 Part D regions.
➤ What star rating did Humana’s drug plans get for 2027?
Humana reported that its standalone drug plan contract, S5884, earned 4.5 stars for 2027. All three Humana standalone plans run under that contract, so they share the rating.
➤ Is Humana Basic Rx going up in price for 2027?
It may, depending on your state. KFF found that people who keep Basic Rx in 28 states face increases of $6.30 to $30.60 a month. Check your 2027 Annual Notice of Change for your exact premium.
➤ Which Humana plans use preferred pharmacies?
Humana says Premier Rx and Value Rx have limited preferred pharmacies in parts of many states. The lower costs in plan materials may not apply at your pharmacy, so check the 2027 directory.
➤ Do Humana plans have a $700 deductible in 2027?
Some Humana plans may, and some may use a lower deductible or none for certain tiers, depending on the plan and region. No 2027 Part D plan can charge more than $700.
➤ Does the $2,400 cap apply to Humana Part D plans?
Yes. Humana states that all of its 2027 Part D plans include the $2,400 out-of-pocket maximum. After you reach it, you pay $0 for covered drugs for the rest of 2027.
➤ Can I switch from one Humana plan to another for 2027?
Yes. During open enrollment, October 15 to December 7, 2026, you can move between Humana’s plans or to another company. The new plan starts January 1, 2027.
➤ Is a Humana standalone plan better than a Humana Medicare Advantage plan?
It depends on whether you want to keep Original Medicare. A standalone plan adds drug coverage to Original Medicare, while a Medicare Advantage plan bundles medical and drug coverage with a network.
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