36 states + DCHumana plans — compared by total cost, not just premium.
Humana is a major national carrier with particular strength in the Southeast and Midwest. Known for wellness programs, pharmacy discount programs, and competitive ACA marketplace pricing. Our agents compare Humana by total cost (premium + deductible + OOP max).
What makes Humana different — and when it saves you money.
Particularly competitive in FL, TX, GA, TN, KY, and other Southern/Midwestern states.
Humana Go365 wellness program rewards healthy behaviors with points and discounts.
Humana Pharmacy integrates with CenterWell for home delivery prescriptions at discounted rates.
Often among the most affordable total-cost options in their strongest markets.
Humana plans — in plain English.
Cost range: $150–$470/mo after subsidies (total cost varies by plan tier, age, and ZIP).
Flexible network with no referrals. Good for people who want provider choice.
Lower premiums, coordinated care. Strong in metro areas.
Low premium, HSA-eligible. Best for healthy adults who want tax-advantaged savings.
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions about Humana plans.
Total cost = premium + deductible + OOP max. Most people we help pay $150–$470/mo after subsidies. Humana is often the cheapest option in Southeast states.
Humana is available in 36 states + DC, with strongest presence in FL, TX, GA, TN, KY. Your agent checks availability for your ZIP code.
Very likely. About 4 out of 5 marketplace enrollees qualify. Your agent checks in real time.
Depends on your area. In the Southeast, Humana often has better pricing. BCBS has a larger national network. Your agent compares both.
Yes — Humana Pharmacy with CenterWell home delivery often provides lower prescription costs. Your agent checks your specific meds.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares Humana by total cost against 5+ other carriers. One call, $0 fee.
(866) 605-0702