How to Cancel Humana Health Insurance in 2026 (Medicare + Individual Plans)
Humana is the second-largest Medicare Advantage provider in the US and is merging with Cigna. Here's how to cancel any Humana plan — medical, dental, vision, or Medicare — without creating a coverage gap.
⚡ Merger Alert: Cigna tried to acquire Humana for $68B in 2024. The deal was blocked by regulators but may be revisited. If it goes through, your Humana plan could be converted to a Cigna plan. Watch for notifications.
Cancel Humana Medicare Advantage
Most Humana members are on Medicare Advantage. Your options depend on the time of year:
Medicare Advantage Open Enrollment (Jan 1 - Mar 31): Switch to another MA plan or return to Original Medicare + Medigap
Annual Enrollment (Oct 15 - Dec 7): Switch to any plan for the following year
Special Enrollment: Moving, losing employer coverage, or qualifying for Medicaid
To disenroll: Call Medicare at 1-800-633-4227 (not Humana)
⚠️ Medigap Warning: If you leave Medicare Advantage to return to Original Medicare, you may NOT be able to get a Medigap supplement without medical underwriting. This is a one-way door in most states (except during your first year on MA or in CT, MA, ME, NY which have continuous open enrollment for Medigap).
Cancel Humana Individual/Marketplace Plan
Healthcare.gov: If enrolled through the marketplace, cancel there — not through Humana
Direct enrollment: Call 1-800-448-6262
Log in to Humana.com → Coverage → Cancel Plan (limited availability)
Request end-of-month cancellation
Get written confirmation
Cancel Humana Employer Plan
Contact your HR/benefits department
Changes only during open enrollment or with a Qualifying Life Event
If leaving: ask about COBRA (18 months continued coverage at full cost + 2% admin)
ACA marketplace is almost always cheaper than COBRA
Cancel Humana Dental or Vision
Humana Dental: Call 1-800-233-4013 or cancel online at Humana.com
Humana Vision (EyeMed/HumanaVision): Call 1-800-233-4013
Standalone dental/vision plans can usually be canceled anytime
If bundled with medical through employer, must cancel together through HR
Humana Go365 Wellness Program
Humana's Go365 wellness program tracks your activities for rewards. When canceling:
Redeem any Go365 Points/Bucks before canceling (they expire with your plan)
Gift cards already redeemed are yours to keep
Fitness device data stays with the device — Humana doesn't delete it
If you have a connected Fitbit/Apple Watch through Go365, disconnect it from the Go365 app
Before Canceling: Checklist
✅ New coverage confirmed and start date verified
✅ All claims submitted (especially recent visits)
✅ Prescription transfer arranged (Humana Pharmacy → new PBM)
✅ Doctors verified in-network on new plan
✅ Go365 points redeemed
✅ Over-the-counter (OTC) allowance used (if Medicare Advantage)
✅ Dental/vision usage maximized before end date
✅ HSA/FSA accounted for
Alternatives to Humana
For Medicare: AARP/UHC, Anthem, Kaiser, or Original Medicare + Medigap (comprehensive but higher premiums)
For Individual: Healthcare.gov marketplace plans (subsidies available)
For Dental: Dental savings plans ($80-150/year) offer 10-60% discounts without insurance overhead
For Vision: Many vision plans are unnecessary — Costco, Zenni ($7 frames), and America's Best offer affordable care without insurance
🔍 Find All Your Subscriptions
Humana premiums are just the start. Upload your bank statement to find every recurring charge — most people find 3-5 subscriptions they forgot about.