Humana Essentials Plus Giveback (HMO) (H4461-045) in 2027
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HMO: about this plan type · Legal name: CARITEN HEALTH PLAN INC.
Called Humana Essentials Plus Giveback H4461-045 (HMO) in 2026 and Humana Essentials Plus Giveback (HMO) in 2027. The plan ID stayed the same.
Offered again in all 17 counties where it was offered in 2026. In 2027 it is also offered in 6 counties where it wasn't offered in 2026.
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- Offered Againin 2027
- 17
- of 17 countiesin 2026
- People inThis Plan
- ~3,900
- CMS enrollment,October 2026
Illinois
See the 6 counties in IllinoisHide the counties
| County | What's Happening | People in Plan |
|---|---|---|
| Bond County: what this means for you All plans in Bond County | New in this county for 2027 | Not listed |
| Calhoun County: what this means for you All plans in Calhoun County | New in this county for 2027 | Not listed |
| Clinton County: what this means for you All plans in Clinton County | New in this county for 2027 | Not listed |
| Jersey County: what this means for you All plans in Jersey County | New in this county for 2027 | Not listed |
| Madison County: what this means for you All plans in Madison County | New in this county for 2027 | Not listed |
| St. Clair County: what this means for you All plans in St. Clair County | New in this county for 2027 | Not listed |
Missouri
See the 17 counties in MissouriHide the counties
Costs and Star Rating
| What | 2026 | 2027 |
|---|---|---|
| Monthly premium (without Extra Help) | $0 a month | $0 a month |
| Maximum you pay for covered medical care | $4,200 (in-network) | $4,200 (in-network) |
| Drug deductible | $615 | $700 |
| Overall star rating (from CMS) | 4 out of 5 stars | 4.5 out of 5 stars |
CMS rates contracts, so plans under one contract share its rating. For costs with Extra Help, use the lookup.
What Happens Next
Where it is offered again, members who do nothing stay in this plan.
These numbers come from CMS's plan files. If you're in this plan, confirm with your Annual Notice of Change or the letter from your plan.
Source: CMS CY2027 Landscape, data as of October 18, 2026 (release 202610). Enrollment: CMS Monthly Enrollment by Contract/Plan/State/County, October 2026. Plan moves: CMS 2027 Plan Crosswalk, file dated October 1, 2026. People counts add up the counties where this plan is offered. They leave out members who live outside that area. See how we get our numbers.