Humana is one of the largest Medicare Advantage and Part D providers in the United States, covering millions of seniors. Humana's 2026 formulary reflects recent Inflation Reduction Act changes, including the annual out-of-pocket cap ($2,100 in 2026, up from $2,000 in 2025) for Part D plans. Humana no longer sells employer group commercial medical plans (it completed its exit from that business in 2025), so this page covers its Medicare plans.
Key Facts
Check Your Specific Plan's Formulary
Coverage varies by plan. Use our formulary checker tool to look up your exact copay and restrictions.
Open Formulary CheckerSources and standards behind this page
Drug coverage in the United States is governed by published rules rather than by any one insurer's summary, and the sources below are the primary ones. They are linked so a reader can check a claim without taking this page's word for it.
- FDA Orange Book publishes the therapeutic-equivalence ratings that decide whether a generic may be substituted for a brand-name drug.
- FDA generic drug facts sets out what "generic equivalent" means and what a manufacturer must prove.
- CMS prescription drug coverage defines the rules a Medicare drug plan formulary must follow and how it may change mid-year.
- Medicare.gov drug coverage (Part D) states what a Part D plan is required to offer a member.
- CMS prescription drug appeals documents the coverage-determination and exception process when a drug is denied.
This page describes how coverage and formularies work. It is not medical advice, and a reader's own plan documents and prescriber decide what applies to them.
Frequently Asked Questions
Starting in 2025, Medicare Part D plans including Humana cap your annual out-of-pocket drug spending. The cap is $2,100 in 2026 (it was $2,000 in 2025). Once you reach it, you pay $0 for the rest of the year. Humana also offers the Medicare Prescription Payment Plan, which lets you spread costs across monthly installments.
Yes. Under Medicare Part D regulations, Humana caps insulin copays at $35 per month for a 30-day supply of covered insulin products. This applies to both vials and pens.
You can switch Humana Medicare plans during the Annual Enrollment Period (October 15 to December 7) or during the Medicare Advantage Open Enrollment Period (January 1 to March 31).
Related Resources
- Medicare Part D Formulary 2026
- Medicare Advantage Formulary 2026
- UnitedHealthcare Formulary 2026
- Insulin cash price comparison on RxGrab
- Eliquis cash price comparison on RxGrab
- Jardiance cash price comparison on RxGrab
- Entresto cash price comparison on RxGrab
- Atorvastatin cash price comparison on RxGrab
- Drug interaction checker tool
- Patient assistance program finder
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