Compare Medicare Plans in Hawaii (March 2025)

Key Takeaways:

• Hawaii offers a wide range of Medicare plans for eligible residents, including 40 Medicare Advantage, 12 Part D, and 10 standardized Medigap plans.
• Getting optimal coverage means looking beyond low or zero-premium plans and considering plans based on networks, additional benefits, and local partnerships.
• Choosing the right plan requires carefully analyzing your current and future healthcare needs, budget, and wider financial considerations.

Medicare is a federal health insurance program for individuals aged 65 and above and those with certain disabilities or terminal conditions like end-stage renal disease.

It is divided into several parts, each with complicated rules and regulations and slight variations across states. For residents of Hawaii, that could mean navigating a wide range of Medicare options with different healthcare and cost implications.

We’ll take a close look at the different Medicare plan types available in Hawaii, familiarize you with the top providers, and offer enrollment tips to help you optimize coverage at a cost you’re comfortable with.

Medicare Plans Available in Hawaii

There are four basic Medicare plan types. Let’s cover them one by one.

Original Medicare (Part A and Part B)

Original Medicare is divided into two parts.

• Part A (Hospital Insurance): It covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

The annual deductible for Part A is $1,676 in 2025. People who have paid Medicare taxes for at least 10 years pay zero monthly premiums. Others are liable to pay $285 or $518 per month.

• Part B (Medical Insurance): It covers outpatient care, doctor visits, preventive services, lab tests, and durable medical equipment.

In 2025, the annual deductible for Part B is $257 (a 17% decrease from 2024), while the monthly premium is $185 ($10.30 increase over 2024).

Original Medicare involves monthly premiums, annual deductibles, and coinsurance costs that may vary based on a beneficiary’s income and work history.

Medicare Advantage (Part C)

Medicare Advantage or Part C plans combine all the benefits of Original Medicare with additional coverage. That may include prescription drugs, vision, dental, and hearing services, and even wellness programs, in some cases.

• There are 40 Medicare Advantage plans in Hawaii in 2025, compared to 43 plans in 2024.
• The average monthly premium went up from $46.08 in 2024 to $47.51 in 2025.
• All Hawaii residents eligible for Medicare have access to at least one Part C plan with zero monthly premium.

Data sourced from CMS.gov and direct provider plans. Comparison based on Honolulu Zip Code 96817.

Top Medicare Advantage plan providers in Hawaii include:

• Kaiser Permanente
• Devoted
• Humana
• United Healthcare

Find the Right Medicare Coverage in Hawaii

Finding the right Medicare plan is key to optimizing your healthcare coverage at an affordable cost.

CoverRight guides you through the Medicare maze and helps you choose the coverage that aligns with both your healthcare needs and budget.

Start saving on your Medicare expenses today with CoverRight.

Medicare Prescription Drug Plans (Part D)

Medicare Part D is an optional plan that provides prescription drugs coverage.

Beneficiaries under Original Medicare with prescription drug requirements have to purchase Plan D coverage separately. For others, it can be part of a bundled Medicare Advantage plan.

There are two important considerations in choosing a Part D plan:

Pharmacy Networks

Part D coverage is only accessible through a network of pharmacies that contract with the plan provider. Proximity to in-network pharmacies is important as filling prescriptions outside the network is generally limited.

Plan Formulary

Part D plans come with a formulary – a list of covered drugs arranged in different cost-sharing structures. Compare plan formularies thoroughly to understand how much you’ll pay for the specific medications you need.

Here are some other facts relating to Part D plans in Hawaii:

• Residents in Hawaii have access to 12 different Medicare Part D plans in 2025.
• The average monthly premium for Part D plans here is $56.87 per month, while the lowest premium is $0.

Data sourced from MedicareWire.com. Information reflects publicly available data as of 2025.

Medicare Supplement (Medigap)

Medicare Supplement or Medigap plans cover out-of-pocket costs that Original Medicare does not cover. The federal government standardizes these plans for Hawaii and most other states to minimize unexpected healthcare costs.

There are 10 Medigap plans in total, including A, B, C, D, F, G, K, L, M, and N. Plan G and Plan N are the most popular choices.

Plan G has comparatively higher premiums, but it covers most out-of-pocket costs associated with Original Medicare except the Part B deductible.

Plan N, in contrast, has lower premiums in exchange for cost-sharing of some copayments. It also does not cover Part B excess charges.

Monthly premiums for Plan G coverage in Hawaii can range from $129–$364 in 2025. High-deductible versions of Plan G have monthly premiums ranging from $42–$78

For Plan N, monthly premiums range from $85 to $200.

Actual premiums for both plans can vary based on several factors, including age, gender, zip code, and tobacco usage.

The highest-rated Medigap plan providers in Hawaii include:

Mutual of Omaha
Aetna
Cigna
United American
Capitol Life

Average Costs of Medicare Plans in Hawaii

Here’s a detailed overview of Medicare-related costs for different Medicare plan types in Hawaii:

Data sourced from Medicare.gov, CMS.gov, and MedicareWire. Information reflects publicly available data as of 2025.

Top Medicare Advantage and Medigap Providers in Hawaii

Here’s a closer look at some of Hawaii’s top providers of Medicare Advantage and Medigap Plans.

Learn more: How to Choose Between Medicare Advantage vs. Medicare Supplement

Best Medicare Advantage Providers

Medicare plans with the lowest premiums may not always provide the value you are looking for.

The right plan considers not only your budget but also your healthcare needs and lifestyle preferences.

You must consider several factors when comparing plans, including coverage in your particular area, additional healthcare benefits, and partnerships with other local healthcare providers.

Best Medigap Providers

When comparing Medigap providers in Hawaii, different factors come into play. These include the diversity of plan options, the provider’s financial strength, and customer satisfaction.

Refer to independent rating agencies like AM Best to evaluate specific providers and plans.

Key factors to consider when choosing a Medigap provider in Hawaii include:

• Experience with local healthcare trends.
• A history of rate stability.
• Efficiency of claims processing.
• Easy access to customer service.

Here are the top Medigap Plan G providers in Hawaii:

Data sourced from MedicalWire.com. Information reflects publicly available data as of 2025.
Here are the top Medigap Plan N providers in Hawaii:

Data sourced from MedicalWire.com. Information reflects publicly available data as of 2025.

How to Choose the Right Medicare Plan in Hawaii

Start by mapping your healthcare needs.

• Check if your current doctors, specialists, and other healthcare providers participate in your chosen plan.
• Consider your proximity to major hospitals like the Queen’s Medical Center and Hilo Medical Center.
• Factor in how often you need medical care, and if you need specialized services for chronic conditions.
• Consider ongoing treatments and planned procedures and how they are covered in your chosen plan.

The second step is to examine the financial side of your healthcare needs.

Here’s what you need to do:

• Compare the total annual cost of each plan, not just the monthly premiums.
• Evaluate your prescription medication requirements and what they will cost under different plans.
• Compare additional benefits offered, like vision, dental, and hearing care.
• Finally, plan for potential changes in healthcare needs in the years ahead and their attending costs.

It pays to be meticulous when evaluating your Medicare options. For specific guidance, contact a Medicare counselor or a licensed insurance agent like CoverRight.

Learn more: How Much Medicare Costs in 2025

How to Enroll in a Medicare Plan in Hawaii

Medicare enrollment is handled by the Social Security Administration (SSA).

Those eligible for Social Security benefits are automatically enrolled in Original Medicare when they turn 65.

In all other cases, the onus is on the individual to apply after filling in the necessary forms and supplying the required documents.

There are three different enrollment periods when you can do this.

• Initial Enrollment Period (IEP): This seven-month period is the best time to enroll in Medicare and avoid potential penalties.

The IEP begins three months before your 65th birthday, includes the month of your birth, and extends three months thereafter.

This is when you can enroll in Original Medicare (Part A and Part B), Medicare Advantage, or Part D prescription drugs plan.

• Annual Enrollment Period (AEP): Medicare offers you a chance to reevaluate your coverage and make changes during the AEP. It lasts from October 15th to December 7th of each year.

This is when you can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, enroll in a Part D plan, or switch Part D plans.

• Special Enrollment Periods (SEPs): These are triggered by certain qualifying life events such as relocating, losing employer coverage, or becoming eligible for Medicaid.

SEPs are time-bound opportunities for beneficiaries to adjust their Medicare coverage based on changed circumstances.

Learn more: Open Enrollment vs Annual Enrollment: Difference Between AEP and OEP.

Steps to Enroll in a Medicare Plan in Hawaii

Here’s a step-by-step guide to enrolling in a Medicare plan in Hawaii:

1. Organize Your Paperwork: Your Medicare card (if you already have one), Social Security card, and other documents for personal identification.
2. Choose How to Enroll: There are four ways to apply for Medicare enrollment:

• Online: Through the Social Security Administration or the Medicare websites.
• By Phone: Call 1-800-MEDICARE (1-800-633-4227) to enroll.
• In Person: By visiting your local SSA office. Find it through the SSA office locator.
• Through an Agent: Licensed insurance agencies such as CoverRight offer personalized guidance and support throughout the enrollment process.

Additional Medicare Resources for Hawaii Residents

There are numerous resources and support groups available in Hawaii for residents needing assistance navigating Medicare.

They include:

• Hawaii State Health Insurance Assistance (SHIP): This federally funded program provides counseling, checks eligibility, educates people, and provides assistance with various aspects of Medicare.
• Senior Medical Patrol (SMP Hawaii): A volunteer-based program that detects, prevents, and reports Medicare fraud, abuse, and waste. Helps beneficiaries with everything from billing errors to abuse.
• Hawaii Employer-Union Health Benefits Trust Fund: Offers an overview of Medicare, answers frequently asked questions, and offers information on enrollment, reimbursements, and drug coverage.

Make Medicare simple in Hawaii.

At CoverRight, our specialists deeply understand the Medicare system and the Hawaii healthcare market. We’ll help guide you to coverage that fits your life and budget.

Start today.

Sources

1. Centers for Medicare & Medicaid Services (CMS)
   • Medicare Open Enrollment Partner Resources. Published 2024. Available at: cms.gov. Last Accessed March 4, 2025.
2. Centers for Medicare & Medicaid Services (CMS)
   • 2025 Medicare Advantage and Part D Ratings Fact Sheet. Published March 1, 2025. Available at: cms.gov. Last Accessed February 10, 2025.
3. Medicare.gov
   • Medigap Coverage Information: When to Buy. Available at: medicare.gov. Last Accessed February 28, 2025.
4. Medicare.gov
   • Medigap Overview. Available at: medicare.gov. Last Accessed March 2, 2025.
5. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed March 3, 2025.
6. Medicare.gov
   • When Does Medicare Coverage Start? Available at: medicare.gov. Last Accessed March 5, 2025.
7. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed March 6, 2025.
8. Kaiser Family Foundation (KFF)
   • Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2025. Available at: kff.org. Last Accessed March 4, 2025.

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