The bottom line: Humana gets some nice-to-have features right, but can't compete on more important factors. On the pro side, there are lots of options for Medigap plan types, if you want something beyond Plan G or Plan N (but most people don’t). And while many companies have scaled back on extras, Humana still offers nice-to-have perks like SilverSneakers gym memberships.
But none of that can make up for Humana falling short where it counts. Its prices are some of the highest of any company we review. And its customer complaint rates are by far the worst. The options on our list of the best Medicare Supplement Insurance companies should offer both a better member experience and lower prices.
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Humana Medicare Supplement Insurance plans
Humana offers a lot more Medigap plan types than most competitors. But most people new to Medicare choose Plan G or Plan N, which offer lots of coverage and are available from nearly every company.
» MORE: Medigap Plan G vs. Plan N
If you want more basic coverage with potentially lower premiums, Humana also offers Plan A and Plan B. Or for even lower premiums, there’s Plan K and Plan L. But because these plans cover 50% or 75% of most benefits, respectively, you’d have to pay the rest out of pocket.
If you became eligible for Medicare before 2020, Humana also offers Plan C and Plan F. But folks newer to Medicare can’t buy those plans from any company.
Finally, there are high-deductible versions of Plan F and Plan G in some locations. High-deductible plans can have much lower premiums, but there’s a considerable deductible you have to meet before they start paying for benefits.
Humana’s plans in Massachusetts, Minnesota and Wisconsin fit each state’s respective standards. (Those states use different Medigap plan systems than most of the country.)
How much does Humana Medicare Supplement Insurance cost?
High premiums
Humana has higher premiums than many competitors, though the difference can vary by location. Its prices for Plan G were 48% higher than the cheapest company we review, on average. For Plan N, Humana’s premiums were about 52% higher.
The tables below show companies’ lowest prices from Medicare.gov, including any available household discounts. Rates might vary based on factors like age, sex, location and household status.
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year-old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative among the companies NerdWallet reviews. Those companies cover nearly 90% of all Medigap beneficiaries.
Why we compare prices the way we do
In short, I want to use realistic prices when rating companies. Comparing prices among the companies we review is a way to exclude outliers, which might not stay cheap (or in business) over time.
I’m in my fifth year reviewing Medicare Supplement Insurance companies for NerdWallet. During that time, I’ve noticed that smaller companies with super-low prices often don’t stick around for long.
For example, I looked back at price quotes I analyzed in March 2024. Seven of what had been the 10 cheapest Plan G companies in Dallas are gone as of July 2026. Many of those were smaller companies we don’t review. But 12 of the 13 companies I reviewed in 2024 are still there in 2026, so they’re a more stable and realistic set to compare.
Plan G
Humana price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $378. | $191. |
Atlanta | $168. | $140. |
Dallas | $173. | $138. |
Plan N
Humana price | Cheapest reviewed competitor | |
|---|---|---|
Los Angeles | $280. | $146. |
Atlanta | $127. | $102. |
Dallas | $129. | $93. |
More Nerdy Perspective
Is Humana a good Medicare Supplement Insurance company?
No. Humana’s combination of high prices and high complaint rates is a bad one. You can find better options from many competitors. For example, AARP has plan types and perks comparable to Humana with cheaper prices and happier customers. For low premiums as top priority, take a look at HealthSpring. And State Farm gets our best all-around scores. It wouldn’t hurt anything to get a Humana quote, but you should compare it to quotes from several other companies. Also consider working with a licensed insurance agent or broker to select your best Medigap option.
No. Humana’s combination of high prices and high complaint rates is a bad one. You can find better options from many competitors. For example, AARP has plan types and perks comparable to Humana with cheaper prices and happier customers. For low premiums as top priority, take a look at HealthSpring. And State Farm gets our best all-around scores. It wouldn’t hurt anything to get a Humana quote, but you should compare it to quotes from several other companies. Also consider working with a licensed insurance agent or broker to select your best Medigap option.
Alex Rosenberglead writer covering MedicareCompare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Humana Medigap discounts
Above-average discounts
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
Humana’s household discounts averaged a little over 12%, when offered in the locations we track. That’s on the higher end compared to competitors — but it's probably not enough to make up for Humana's high prices.
Humana offered a household discount in two of the three locations priced for this review. It’s a “roommate” discount, so you don’t need to live specifically with a spouse to qualify. Available discounts may vary according to factors such as your location, household status and how you apply for a policy.
Humana Medicare Supplement price increases
Premiums rise at average rates
It can be difficult or even impossible to switch Medigap plans or companies after your Medigap open enrollment period because of medical underwriting. If you might stick with the same company for decades, it’s a good idea to consider how its prices change over time.
Looking at three years of Medigap price changes, Humana’s premiums rose about 9.2% per year across the locations I tracked. That’s pretty average among the companies we review.
Humana member complaints
214% more complaints than average
Humana’s complaint rate is very high. Its members file complaints about their Medigap policies 214% more often than the average for all Medigap companies. That’s according to 2023 to 2025 data from the National Association of Insurance Commissioners (NAIC).
That’s the worst complaint rate of any company we review, and it’s not even close.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Humana's spending on care
87% for member benefits
Humana Medicare Supplement Insurance plans spent 87% of premiums on member benefits, according to the most recent annual data. (The other 13% went to overhead expenses like administrative costs, marketing, salaries and commissions.)
That’s a bit higher than the all-company average of 84.5%.
The medical loss ratio (MLR) is the percentage of premiums a company spends to pay members’ claims.
If the number is relatively low (down in the 70s), I might wonder why the company isn’t spending more on the benefits its members are paying for.
But if the number is very high (around 90% or higher), the company might not turn a profit after expenses. In that case, I worry that it might cut back on Medigap plans or stop offering them altogether.
Additional benefits
Nice perks
Medigap plans have standardized Medicare benefits, but companies can offer additional perks. Here are examples of extras included with some Humana Medicare Supplement Insurance policies:
Fitness program. SilverSneakers offers access to participating gyms, including group classes and work with trainers.
Discount program. Humana offers discounts on certain prescriptions, vision and hearing products and services.
Nurse line. A 24/7 toll-free nurse line has registered nurses on staff to answer questions and help members handle health issues.
I’ve seen a lot of companies cut back on the extras they offer with Medigap policies in recent years. Humana stands out as one of relatively few that still has pretty decent perks. (But while extras are nice to have, they still shouldn’t be a main consideration when shopping for health insurance.)
Humana Medicare Supplement Insurance service area
Humana offers Medicare Supplement Insurance plans in all 50 states and Washington, D.C.
Humana covers more than 380,000 Medicare Supplement Insurance beneficiaries. Its share of the total Medicare Supplement Insurance market is about 2.3%.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
About Humana
Humana is a health insurance company headquartered in Louisville, Kentucky. Its insurance offerings include Medicare Advantage plans, Medicare prescription drug plans, Medicare Supplement Insurance, Medicaid coverage and dental and vision plans.
Read the NerdWallet reviews of these other Humana Medicare offerings:
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized. But in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
- More plan type options than most competitors.
- Useful perks, including SilverSneakers fitness benefits.
- Very high premiums in the locations we track, on average.
- Complaint rate more than triple the industry average.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 24, 2026.
- 2.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 24, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred). Accessed Jul 24, 2026.
- 4.National Association of Insurance Commissioners. 2024 Medicare Supplement Insurance Experience Reports. Accessed Jul 24, 2026.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. We review companies covering nearly 87% of all Medigap beneficiaries in the United States. At the state level, our research includes the two largest Medigap insurance companies in 45 out of 50 states, plus Washington, D.C. We cover at least one of the two largest Medigap companies in every state.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Annual price increases | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR LOW PRICES | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PLAN AVAILABILITY | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, B, C, F, G, K, L and N | Fewer than expected | Higher than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, F, G and N | Close to expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |