If you have a Pennsylvania Medicare Advantage plan through Humana, here’s what you need to know: Humana just confirmed it’s walking away from roughly 600,000 Medicare Advantage members nationwide for 2027 — about 8% of its total MA enrollment, according to Becker’s Payer Issues. That’s one of the largest single-carrier pullbacks agents have seen in years, and it lands right as Annual Notice of Change (ANOC) letters are hitting mailboxes. Here’s what’s actually known right now about your Pennsylvania Medicare Advantage options, and what isn’t.
What’s Actually Changing
Humana has said the cuts are concentrated in its lower-rated plans — generally those rated 3.5 stars or below — as the company works to improve profitability and overall plan quality scores. What Humana has not done is publish which specific counties, service areas, or plan IDs are affected. As of late August, industry trackers watching this story state plainly: “Humana has not published which specific plans and markets are affected.” Only about 40% of members losing their current plan are expected to have another Humana plan available to transfer into — meaning a majority of the roughly 600,000 affected members nationally will need to actively shop for new coverage.
Where Pennsylvania Stands Right Now
This is the part worth being straight about: Pennsylvania has not been named as an affected state, but it hasn’t been ruled out either. Local trackers following the Pennsylvania market directly say the state is “neither confirmed as an affected state nor ruled out” as of late August 2026. UnitedHealthcare, Aetna, and Highmark — the other major Medicare Advantage carriers active in PA — have no 2027 exits announced for the state at this point. In other words: nothing to panic about yet, but nothing to assume is fine either.
Why This Is Happening
Carriers have been trimming their Medicare Advantage books industry-wide for the past two AEP cycles, driven by rising medical costs, tighter CMS Star Rating bonus payments, and increased scrutiny on plan profitability. Humana’s move fits that broader pattern — it’s not unique to Pennsylvania or any single state, which is part of why the exact geographic footprint hasn’t been published yet. Carriers typically finalize and file county-level service area changes with CMS before they’re required to notify members, and that filing and notification window is exactly where Pennsylvania sits right now.
What This Means for You
If you’re on a Humana Medicare Advantage plan in Pennsylvania, the single most reliable source of truth is your own Annual Notice of Change letter, which carriers are required to send by September 30 each year. Don’t rely on news headlines or general “is my plan ending” articles to tell you whether you personally are affected — check the letter itself. If your ANOC says your plan is ending or your service area is changing, you’ll have a Special Enrollment Period to pick a new plan outside the normal AEP window. If nothing changes on your end, AEP (October 15 – December 7) is still the right time to double-check that your doctors, hospitals, and prescriptions are still covered the way you expect for 2027 — carriers can narrow networks and formularies even on plans that technically continue.
How Burke Insurance Group Can Help
We’re tracking Humana’s county-level filings as they’re released and can tell you quickly whether your specific plan is on the list once that information becomes public. In the meantime, we can review your ANOC letter with you line by line, confirm your doctors and prescriptions are still in-network for 2027, and walk you through alternatives if your plan is affected — all at no cost. If your ANOC letter arrives and you’re not sure what it means, don’t wait until December to ask.
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 to get information on all of your options.
