The cuts will mean turmoil and confusion for many beneficiaries, as well as the risk of higher premiums, fewer benefits or both.

The massive insurer now expects to lose 550,000 Medicare Advantage members — roughly one-tenth its individual MA footprint — this year as a result of plan cuts.

Humana Inc. forecast 2025 profit that fell short of Wall Street’s expectations, as the company said it will invest heavily in improving quality in its Medicare Advantage plans, its biggest business.