The bottom line: Humana's $0-premium plans are more widely available in 2026. Its lower-cost Humana Value Rx plan offers more $0-copay and $0-deductible drug tiers than many competitors. Expensive premiums for the higher-end Premier Rx plan make that plan less competitive, however. Jump to: Full Review
Humana Medicare Part D pros and cons
Pros
- $0 premiums: Humana plans with $0 premiums are available in 27 states and Washington, D.C.
- $0-copay and $0-deductible options: The low-cost Value Rx plan offers $0 copays and no deductible for Tier 1-2 drugs — options only available on pricier plans from some competitors.
Cons
- Premier plan premiums: Humana’s high-end plan charges above-average premiums, although it's one of few $0-deductible plans.
- 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 one of NerdWallet’s top choices for best Medicare Part D plans in 2026.
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: 3 stars
Humana prescription drug plans are rated above the industry average, receiving an average rating of 3 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 3.04 stars.
The Centers for Medicare & Medicaid Services (CMS) maintains its own database of star ratings. Medicare Part D plans are rated on 12 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 2026:
Humana Value Rx: According to Humana, this plan is best for "consumers who value low cost shares for generics along with robust coverage at an affordable price."
Humana Basic Rx: According to Humana, this plan is best for "shoppers who are enrolled in or qualify for Medicare Extra Help. Members who receive Extra Help and live in areas under the low-income benchmark may pay a $0 monthly premium."
Humana Premier Rx: According to Humana, this plan is best for "consumers seeking broad drug coverage and peace of mind."
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 3.7 million Medicare beneficiaries have Humana Part D plans as of April 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 offers lower premiums and more options than most competitors. The Humana Value Rx plan is an excellent value with multiple $0-copay and $0-deductible drug tiers and premiums as low as $0. But the company’s government quality ratings are average, and they’ve gone down since last year. 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 offers lower premiums and more options than most competitors. The Humana Value Rx plan is an excellent value with multiple $0-copay and $0-deductible drug tiers and premiums as low as $0. But the company’s government quality ratings are average, and they’ve gone down since last year. 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?
About 25% of Humana plans have a $0 premium.
Monthly premiums for Humana Medicare Part D plans range from $0 to $173.60. The average Humana Part D premium is $33.51, weighted by enrollment, according to NerdWallet analysis of 2026 CMS data.
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 2026 premiums and deductibles for Humana’s stand-alone Medicare prescription drug plans:
Plan | Pricing |
|---|---|
Humana Basic Rx | Monthly premiums:
Annual deductible: $615. |
Humana Value Rx | Monthly premiums:
Annual deductible: $601. |
Humana Premier Rx | Monthly premiums:
Annual deductible: $0. |
» 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 2026. Here's what you might pay for prescription drugs at some common price points:
Humana Basic Rx
Deductible
$615 on all tiers.
Average out-of-pocket cost*
$0.26 for Tier 1 (preferred generics).
$1.26 for Tier 2 (generics).
$49.71 for Tier 3 (preferred brands).
Humana Value Rx
Deductible
$0 on Tier 1 and Tier 2 drugs, $601 on all other tiers.
Average out-of-pocket cost*
$0 for Tier 1 (preferred generics).
$0 for Tier 2 (generics).
$39.35 for Tier 3 (preferred brands).
Humana Premier Rx
Deductible
$0 on all tiers.
Average out-of-pocket cost*
$0 for Tier 1 (preferred generics).
$4 for Tier 2 (generics).
$45 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 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 for low out-of-pocket costs
- $0-premium plans available in over half of states.
- Generous $0-copay and $0-deductible options.
- High prices for the higher-end Premier plan.
- 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. 2026 Star Ratings Data Tables. Accessed Apr 17, 2026.
- 2.Humana. Humana Value Rx Plan (PDP). Accessed Apr 17, 2026.
- 3.Humana. Humana Basic Rx Plan (PDP). Accessed Apr 17, 2026.
- 4.Humana. Humana Premier Rx Plan (PDP). Accessed Apr 17, 2026.
- 5.Centers for Medicare & Medicaid Services. PDP Plan Directory. Accessed Apr 17, 2026.
- 6.Centers for Medicare & Medicaid Services. CY2026 Landscape (202603). Accessed Apr 17, 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 over 86% 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 for more information.
Compare Medicare Part D Plans
Insurance company | CMS star rating | Out-of-pocket costs | Member experience | Learn more | |
|---|---|---|---|---|---|
BEST FOR LOW OUT-OF-POCKET COSTS | |||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.00 | 3.00/5 | Lower than average | 3 (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 | 3.50 | 3.50/5 | Varies | 3.5 (Above 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 GENERIC DRUGS | |||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 2.50 | 2.50/5 | Average | 2 (Below 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 DEDUCTIBLES | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 2.37 | 2.37/5 | Average | 2.29 (Below average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |