The bottom line: Humana is making its $0-premium plans 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. Humana’s quality ratings from CMS are average. 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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Humana Medicare Part D star ratings
Average Part D star rating, weighted by enrollment: 3 stars
Humana’s Medicare Part D prescription drug plans get an average star rating of 3 stars from the Centers for Medicare & Medicaid Services (CMS). For comparison, the average for all stand-alone Part D plans, weighted by enrollment, is 3 stars.
CMS rates Medicare Part D plans 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.
» MORE: Medicare star ratings: How they can help you choose a plan
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 "members who qualify for Medicare Extra Help, which may cover the entire cost of the 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.
Humana is the fifth-largest company offering Medicare Part D plans. About 2.3 million Medicare beneficiaries have Humana Part D plans as of September 2025.
More Nerdy Perspective
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 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 Medicare Part D cost
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.
$0-deductible options
Deductibles can apply differently depending on where they fall on the formulary: the plan's list of covered drugs, organized by tiers.
Each plan takes a different approach to deductibles in 2026:
Humana Value Rx: $0 deductible for Tier 1-2 drugs. The deductible is $601 for Tier 3-5 drugs.
Humana Basic Rx: $615 deductible for all covered drugs.
Humana Premier Rx: $0 deductible for all covered drugs.
$0-copay options
Humana advertises $0-copay options for two of its plans:
Humana Value Rx: $0 copays for Tier 1 and Tier 2 drugs at preferred pharmacies.
Humana Premier Rx: $0 copays for Tier 1 drugs at preferred pharmacies and for Tier 1 and Tier 2 drugs from Humana’s CenterWell mail-order pharmacy.
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 $0 premiums
- $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.
Article sources
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. 2026 Star Ratings Data Tables. Accessed Oct 13, 2025.
- 2.Centers for Medicare & Medicaid Services. Medicare 2026 Part C & D Star Ratings Technical Notes. Accessed Oct 13, 2025.
- 3.Humana. Humana Value Rx Plan (PDP). Accessed Oct 13, 2025.
- 4.Humana. Humana Basic Rx Plan (PDP). Accessed Oct 13, 2025.
- 5.Humana. Humana Premier Rx Plan (PDP). Accessed Oct 13, 2025.
- 6.Centers for Medicare & Medicaid Services. PDP Plan Directory. Accessed Oct 13, 2025.
- 7.Centers for Medicare & Medicaid Services. CY2026 Landscape (202509). Accessed Oct 13, 2025.
Medicare Part D plan review methodology
NerdWallet’s Medicare Part D reviews are based on ratings data from the Centers for Medicare & Medicaid Services (CMS), pricing, cost-sharing requirements, formulary design, consumer experience and more.
NerdWallet reviewed eight Medicare Part D insurance companies based on highest enrollment and greatest online search volume. Together, these eight companies cover about 92% of Medicare beneficiaries with stand-alone Medicare Part D plans, according to CMS data. We review at least five major Medicare Part D companies in every state in the United States.
These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
Compare Medicare Part D Plans
Insurance company | CMS star rating | Out-of-pocket costs | Member experience | Learn more | |
|---|---|---|---|---|---|
BEST FOR LOW AVERAGE 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 $0 PREMIUMS | |||||
(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 |
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on http://askchapter.orgon NerdWallet | 3.00 | 3.00/5 | Higher than average | 1.5 (Below average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on http://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 | 2.50 | 2.50/5 | Average | 2.68 (Average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |