The bottom line: Humana climbed the ranks this year in both quality and member satisfaction, with all of its 2027 Medicare Part D prescription drug plans earning top government quality ratings. The company raised its premiums, but they’re still below average, and the Humana Value Rx plan offers more $0 copay and $0 deductible tiers than most competitors. Jump to: Full Review
Humana Medicare Part D pros and cons
Pros
- High quality: Humana has the highest government quality rating of any major competitor. All of its Part D plans are rated 4.5 out of 5 stars.
- $0 generics with no deductible: The Value Rx plan is the cheapest Part D plan we reviewed that offers $0 copays and no deductible on Tier 1-2 drugs at preferred pharmacies.
Cons
- Inaccurate price estimates: Humana scores poorly for the accuracy of drug price estimates it provides for the Medicare.gov plan finding tool.
Compare against other providers
» More options in our roundup of the best Medicare Part D plans
Compare against other providers
» More options in our roundup of the best Medicare Part D plans
Our full review
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NerdWallet star rating for Humana Medicare Part D
Humana’s prescription drug plans earned 5 out of 5 stars from NerdWallet. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account premiums, out-of-pocket costs, government quality ratings, customer complaints and more.
Based on these ratings, Humana is NerdWallet’s top choice for best Medicare Part D plans in 2027.
Why NerdWallet star ratings differ from CMS star ratings
NerdWallet star ratings go beyond Medicare star ratings developed by the Centers for Medicare & Medicaid Services (CMS).
Our data-driven, consumer-first scoring rubric factors in cost and customer complaints in addition to government quality data. This makes NerdWallet star ratings a more practical tool for seniors looking to find the best overall value.
Government quality ratings for Humana Part D
Average CMS star rating, weighted by enrollment: 4.5 stars
Humana prescription drug plans are rated above the industry average, receiving an average rating of 4.5 out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2026, weighted by enrollment.
For comparison, the average weighted CMS star rating for all plans is 3.21 stars.
The Centers for Medicare & Medicaid Services (CMS) maintains its own database of star ratings. Medicare Part D plans are rated on 13 quality measures. (You can find definitions for each of these factors in the CMS Star Ratings Technical Notes.)
These ratings use a 5-point scale where 5 is the best and 1 is the worst. The agency bases its ratings on drug plans’ quality of service and customer experiences, and ratings are updated annually.
You can find a plan’s rating with Medicare's plan finding tool.
Humana Medicare Part D prescription drug plans
Humana offers three stand-alone Medicare prescription drug plans for 2027:
Humana Value Rx: This plan offers strong value for people who take mostly generic and some brand-name drugs. It charges below-average monthly premiums, $0 for generics with no deductible at preferred pharmacies and relatively low coinsurance on preferred brand-name drugs.
Humana Basic Rx: Humana’s Basic plan is best for budget-conscious shoppers who don’t need a lot of coverage. It charges a lower monthly premium than most Part D plans, and if you qualify for Extra Help, you may pay $0 per month.
Humana Premier Rx: This plan is worth considering if you take preferred brand-name drugs and want to avoid a deductible. It’s the only plan we reviewed with a $0 deductible on both generics and preferred brand-name drugs, and the out-of-pocket costs on those drugs are low. However, you’ll pay a lot more on this plan for non-preferred drugs, and your monthly premium will be high.
Medicare beneficiaries with Original Medicare (Part A and/or Part B) can purchase a Medicare Part D plan for prescription drug coverage. Part D plans are sold by private insurance companies. The costs and coverage can vary significantly, so it’s important to compare options.
About 3.5 million Medicare beneficiaries have Humana Part D plans as of October 2026, an increase of over 1 million members since 2025.
More Nerdy Perspective
Is Humana Medicare Part D a good prescription drug plan option?
Humana is our pick for best Medicare Part D plans in 2027. All of its Part D plans are rated 4.5 out of 5 stars by CMS. No other insurer we reviewed has a plan rated higher than 3 stars, which CMS considers average.
Humana’s Part D plans generally come with lower out-of-pocket costs than other insurers. They also have below-average premiums, although they aren’t the lowest on the market. The Humana Value Rx plan is an excellent value with multiple $0-copay and $0-deductible drug tiers and premiums as low as $17.20 per month.
A Medicare Part D plan’s real value depends on if and how it covers your prescription drugs. Before buying a plan, look for your medications on the plan’s formulary to make sure your medications are covered and out-of-pocket costs are affordable.
Humana is our pick for best Medicare Part D plans in 2027. All of its Part D plans are rated 4.5 out of 5 stars by CMS. No other insurer we reviewed has a plan rated higher than 3 stars, which CMS considers average.
Humana’s Part D plans generally come with lower out-of-pocket costs than other insurers. They also have below-average premiums, although they aren’t the lowest on the market. The Humana Value Rx plan is an excellent value with multiple $0-copay and $0-deductible drug tiers and premiums as low as $17.20 per month.
A Medicare Part D plan’s real value depends on if and how it covers your prescription drugs. Before buying a plan, look for your medications on the plan’s formulary to make sure your medications are covered and out-of-pocket costs are affordable.
Elizabeth Aldrichlead writer covering MedicareHow much does Humana Medicare Part D cost?
The average Humana Part D premium is $46.77 per month, weighted by enrollment, according to NerdWallet analysis of CMS data.
Monthly premiums for Humana Medicare Part D plans range from $6.30 to $191.20.
Humana offers three plan options: basic, mid-range and high-end. The basic plan has the lowest monthly premiums and the highest deductible. Plans with higher monthly premiums have lower deductibles. Below is a breakdown of the costs for each plan.
Humana Medicare Part D premiums and deductibles
Here are the 2027 premiums and deductibles for Humana’s stand-alone Medicare prescription drug plans:
Plan | Pricing |
|---|---|
Humana Basic Rx | Monthly premiums:
Annual deductible: $700. |
Humana Value Rx | Monthly premiums:
Annual deductible: $687. |
Humana Premier Rx | Monthly premiums:
Annual deductible: $350. |
» If you have concerns about affording Medicare Part D, look into Medicare Extra Help.
Out-of-pocket costs
What you pay for deductibles and copays can vary depending on where your medication falls on the plan’s formulary. A formulary is the plan's list of covered drugs, organized by tiers. Having $0-deductible and $0-copay options can help you minimize your out-of-pocket costs.
Each Humana plan takes a different approach to these $0 options in 2027. Here's what you might pay for prescription drugs at some common price points:
Humana Basic Rx
Deductible
$700 on all tiers.
Average out-of-pocket cost*
$0.99 for Tier 1 (preferred generics).
$3.66 for Tier 2 (generics).
$49.80 for Tier 3 (preferred brands).
Humana Value Rx
Deductible
$0 on Tier 1 and Tier 2 drugs, $687 on all other tiers.
Average out-of-pocket cost*
$0 for Tier 1 (preferred generics).
$0 for Tier 2 (generics).
$39.33 for Tier 3 (preferred brands).
Humana Premier Rx
Deductible
$0 on Tier 1, 2 and 3 drugs, $350 on all other tiers. Average out-of-pocket cost*
$0 for Tier 1 (preferred generics).
$4 for Tier 2 (generics).
$32 for Tier 3 (preferred brands).
*After deductible is met, based on a $15 retail price for Tier 1, $50 for Tier 2 and $200 for Tier 3.
Cost-sharing requirements for higher tiers can quickly get more expensive. As a result, it’s important to check where your medications and pharmacies fall on each plan’s formulary.
Coinsurance vs. copay requirements
You'll also want to check whether you’ll pay a copay or coinsurance for your medications. Copays are set dollar amounts, so it’s easy to see what you’ll pay. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be more unpredictable and more expensive.
Humana doesn’t publish a comprehensive state-by-state list of its cost-sharing requirements. You can find copay and coinsurance requirements by tier for your location in the plan documents when you get a quote.
You can also enter your medications and pharmacy information on Humana’s website to see which drugs are covered and review your estimated costs with different plan options.
» MORE: How much does Medicare Part D cost?
Humana Medicare Part D service area
Stand-alone Medicare prescription drug plans from Humana are available in all 50 states and Washington, D.C.
Humana offers all three of its Medicare Part D plan options in all U.S. states and Washington, D.C.
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:
Compare Medicare Part D companies
Get more information below about some of the major Medicare Part D companies. These insurers offer plans in most states, but specifics may vary depending on your location.
Find the right Medicare Part D prescription drug plan
The interactive tool on Medicare.gov can help you find a Medicare Part D plan that covers your prescriptions. It also helps you compare costs among Medicare Part D and Medicare Advantage plans available to you.
Here are some things to keep in mind when comparing plans:
Check the formulary: Make sure the medicines you currently take are covered. Talk to your health care providers about what medications to look for. You might also want to check for possible alternatives and/or drugs you think you might need in the future.
Look for plan changes: Formularies (lists of covered drugs) change frequently. Your insurer should send you a Notice of Plan Change when the formulary changes. Read that document carefully.
Check the pharmacy network: Most Medicare Part D plans have networks of lower-cost pharmacies. Check to see if the plan's pharmacies are convenient for you. Also, compare prices for using mail order.
You can switch plans during Medicare's open enrollment period, Oct. 15 to Dec. 7. Changes go into effect on the following Jan. 1.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Best overall
- Highest government quality and member experience ratings among competitors.
- Generous $0-copay and $0-deductible options.
- Poor scores for accuracy of drug price estimates.
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.NerdWallet analysis of CMS data. 2027 Star Ratings Data Tables. Accessed Oct 15, 2026.
- 2.Centers for Medicare & Medicaid Services. PDP Plan Directory. Accessed Oct 15, 2026.
- 3.Centers for Medicare & Medicaid Services. CY2027 Landscape (202609). Accessed Oct 15, 2026.
Medicare Part D plan review methodology
NerdWallet’s Medicare Part D reviews are based on:
Ratings data from CMS.
Pricing.
Out-of-pocket costs.
Formulary tiers.
Member experience.
Complaint data.
We calculate each health insurance company’s rating on a curved 5-point scale. NerdWallet's editorial team reviewed five Medicare Part D insurance companies. We chose companies based on high enrollment and online search volume. Together, these companies cover 87% of stand-alone commercial Medicare Part D beneficiaries. Our research includes at least four major insurers in every state.
These reviews are a guide. We encourage you to shop around and compare several plans.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Part D.
Compare Medicare Part D Plans
Insurance company | NerdWallet rating | Average monthly premium | Average Part D deductible | Out-of-pocket costs | 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 | $46.77 | $636.31 | 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 PREMIUMS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | $7.78 | $700 | 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 |
BEST FOR NON-PREFERRED DRUGS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.4/5 | $30.40 | $700 | Average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |