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Humana Medicare Supplement Plans 2027: Value vs Achieve, Letters and State Rate Guides

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Humana Medicare Supplement plans for 2027 come in two lines, a standard (“Value”) line and Humana Achieve, and both sell Plan G, Plan N, Plan A and High-Deductible G in the states we checked. In Nevada’s premium guide, Humana Plan G cost $2,644 a year for a 65-year-old woman in Las Vegas, above the $2,485 median of 14 companies, while New Jersey’s September 2026 chart shows Humana Value Plan N at $128.14 a month for a 65-year-old man.

2027 by the Numbers

$2,644

Humana Plan G per year, woman 65, Las Vegas (Nevada Division of Insurance guide)

$94

how much more Humana Plan G cost at 70 than at 65 in that guide

$128.14

Humana Value Plan N a month, man 65, New Jersey September 2026 chart

6 states

where Humana tightened household discount rules on April 23, 2026

Humana is best known for Medicare Advantage, but it also sells Medicare Supplement policies through several Humana-owned insurance companies. If you are shopping Humana for 2027, the first thing to learn is that there are two different Humana Medicare Supplement products, and they are priced in different ways.

This page compares those two lines, lists the plan letters Humana files in different states and pulls Humana’s actual rows out of the Nevada and New Jersey premium guides. For a deep look at Plan G alone, including the Achieve discount schedule, read our Humana Medicare Supplement Plan G guide.

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Humana's Two Product Lines: Value and Achieve

Humana Medicare Supplement plans 2027: Humana Value vs Humana Achieve prices in New Jersey

State guides list Humana’s Medicare Supplement policies under two names. Iowa’s guide (premiums effective October 1, 2026) shows both Humana Insurance Company and CompBenefits Insurance Company (Humana Achieve). New Jersey’s September 2026 chart lists “Humana Ins. Co. (Value)” and “Humana Ins. Co. (Achieve)” side by side.

New Jersey, man 65, monthly Humana Value Humana Achieve
Plan A $164.17 $279.24
Plan D $222.90 $261.44
Plan G $225.16 $210.01
High-Deductible G $53.49 $66.04
Plan N $128.14 $149.94

New Jersey Medigap premium chart, male preferred rates at age 65, revised August 26, 2026.

What the numbers show: Neither Humana line is cheaper across the board. In New Jersey, Achieve wins on Plan G by about $15 a month, but Value is about $22 cheaper on Plan N and $12.55 cheaper on High-Deductible G.

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What We Verified About Humana Medicare Supplement (October 2026)

Question Answer Where it comes from
Parent company Humana Inc. AM Best, December 2025
Financial strength A (Excellent), stable outlook, for Humana Insurance Company, Humana Benefit Plan of Illinois, CompBenefits Insurance Company and Humana Insurance Company of New York AM Best rating action, December 16, 2025
Insurers named in state guides Humana Benefit Plan of Illinois (Nevada); CHA HMO, Inc. (Kentucky); Humana Insurance Company and CompBenefits (Iowa) State insurance department guides
Household discount rule change In AZ, AR, CO, NV, TN and WV, you must live with someone enrolled or enrolling in a Humana Medicare Supplement plan Humana agent notice, applications signed on or after April 23, 2026
Extra services Hearing and vision discounts, a 24-hour nurse line and meal delivery after an eligible hospital stay Humana agent marketing materials

Extra services can vary by state and are not part of the standardized Medicare Supplement benefits.

Humana Plan Letters by State

Humana’s menu is wider in some states than others. These lists come straight from 2026 state guides and Humana’s own rate notice.

State Humana plan letters listed Source
Kentucky A, F, G, High-Deductible G, N Kentucky 2026 Medicare Supplement Guide
New Jersey A, D, G, High-Deductible G, N NJ chart, September 2026
Oregon A, B, C, F, High-Deductible F, G, High-Deductible G, K, L, N Humana rate notice, September 2026

Plans C, F and High-Deductible F are only for people first eligible for Medicare before 2020.

Cost-sharing plans. Where Humana offers Plans K and L, you share costs up to a yearly out-of-pocket cap. See our Medicare Supplement Plan K guide.

High-Deductible G. Available in Kentucky, New Jersey and Oregon. In 2027 you pay the first $3,050 of covered costs.

Plan N. The common lower-premium choice, with copays up to $20 at the doctor and $50 in the ER.

Humana in Nevada's Premium Comparison Guide

Humana Medicare Supplement plans 2027 Plan G yearly premium compared with other companies in Nevada's premium guide

Nevada’s Division of Insurance publishes yearly premiums for a 65- and a 70-year-old woman who does not smoke, in downtown Las Vegas (ZIP 89102). Its 2026 guide uses a September 2024 survey and lists Humana’s policy under Humana Benefit Plan of Illinois, Inc.

Plan G, yearly premium Age 65 Age 70 Increase from 65 to 70
Humana Benefit Plan of Illinois $2,644 $2,738 $94
Continental Life (Aetna) $2,233 $2,371 $138
UnitedHealthcare Insurance Co. $2,326 $2,555 $229
Globe Life and Accident $2,756 $3,396 $640
Lowest: Monitor Life of New York $1,885 $1,885 $0
Highest: Guarantee Trust Life $4,044 $4,299 $255

Nevada Division of Insurance, 2026 Medicare Supplement Insurance Premium Comparison Guide. The last column is our own math from the guide’s figures.

Humana’s Plan G started above the $2,485 median for age 65 but had the second-smallest increase between 65 and 70 of the 14 companies in the guide. Its Plan N was $1,852 a year at 65 and its High-Deductible G was $705.

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Humana Price Signals Worth Checking for 2027

Recent increases. Humana raised several plans on September 1, 2026, including 29% on Plans A, F, G and N for Kentucky policyholders 65 and older. Our Plan G rate increases page explains how increases are filed.

New York pricing. New York’s October 2026 comparison shows Humana Plan G at $601.17 to $709.98 a month, well above UnitedHealthcare’s $336.25 to $372.50 in the same regions.

Household rules. Since April 23, 2026, the household discount in six states needs another Humana Medicare Supplement member at your address.

Broker tip: Ask whether your Humana quote is a Value or an Achieve policy. The same letter can be priced very differently, and Achieve prices step up as its early-enrollment discount winds down.

How to Shop Humana Medicare Supplement for 2027

1

Confirm which Humana company and line. The application names the insurer, such as Humana Insurance Company or CompBenefits Insurance Company.

2

Price two letters. Get Humana’s Plan G and Plan N for your ZIP code. In New Jersey the gap between them was about $97 a month on the Value line.

3

Check discount eligibility. Bring the name and Medicare number of anyone in your home with a Humana Medicare Supplement policy.

4

Ask for the rate history. Request the last few years of increases for your state and policy form.

5

Lock in your timing. Apply during your Medigap Open Enrollment Period to avoid health questions.

Humana Medicare Supplement is separate from Humana Medicare Advantage. It works alongside Original Medicare with no network, and you add a Part D plan for drugs.

Bottom Line

Humana sells two Medicare Supplement lines for 2027, and the cheaper one depends on the plan letter and your state. Official guides show Humana above the median for Plan G in Nevada but competitive on Plan N in New Jersey. Compare both Humana lines with other companies for your ZIP code before you apply.

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Humana Medicare Supplement Plans 2027 — Frequently Asked Questions

➤ What is the difference between Humana Value and Humana Achieve?

They are two Humana Medicare Supplement product lines with the same standardized benefits but different pricing. In New Jersey’s September 2026 chart, Achieve was cheaper for Plan G and Value was cheaper for Plans A, D, N and High-Deductible G.

➤ Are Humana Medigap plans for 2026 the same as for 2027?

The benefits are set by federal law and stay the same, but premiums and the Part B deductible change. The Part B deductible is $283 in 2026 and projected at $292 for 2027.

➤ How much is a Humana Medicare Supplement plan in Nevada?

Nevada’s guide lists Humana Plan G at $2,644 a year and Plan N at $1,852 a year for a 65-year-old woman in Las Vegas who does not smoke.

➤ Which Humana company insures Medicare Supplement policies in Iowa?

Iowa’s October 2026 guide lists two: Humana Insurance Company and CompBenefits Insurance Company, which sells Humana Achieve.

➤ Does Humana sell Plans K and L?

In some states. Humana’s September 2026 rate notice lists Plans K and L in Oregon, but Kentucky’s and New Jersey’s lists do not include them.

➤ What changed with Humana’s household discount in 2026?

For applications signed on or after April 23, 2026 in Arizona, Arkansas, Colorado, Nevada, Tennessee and West Virginia, you must live with someone enrolled or enrolling in a Humana Medicare Supplement plan and give their name and Medicare ID.

➤ Is Humana expensive in New York?

Its Plan G was among the higher prices. New York’s October 2026 comparison lists Humana Plan G at $601.17 to $709.98 a month depending on region.

➤ Is Humana financially stable enough for a Medicare Supplement policy?

AM Best affirmed an A (Excellent) rating with a stable outlook for Humana’s main health insurance companies, including the companies that issue Medicare Supplement policies, on December 16, 2025.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-409-6195

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Compare plans & benefits in your area

Or speak with a licensed insurance agent

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