2027 Medicare Plans & Options in Honolulu County, HI
Learn about Medicare coverage options available in Honolulu County, Hawaii, including Original Medicare, Medicare Advantage, Part D, Medigap plans, and local support resources.
Medicare Options at a Glance
Medicare coverage options in Honolulu County, Hawaii center on a few primary paths, each designed for different priorities like provider flexibility, cost control, and care coordination. These include:
- Original Medicare: Ideal for nationwide provider access without network restrictions.
- Medicare Advantage: Combines coverage into one plan, often with lower premiums and added benefits.
- Part D: Adds prescription drug coverage to Original Medicare.
- Medigap: Helps reduce out-of-pocket costs and improve predictability.
- SNPs: Designed for people with specific health conditions or eligibility requirements.
- Other Options: May include VA benefits, employer or retiree plans, and local assistance programs.
Each option operates differently. Comparing how they work is essential to selecting the right Medicare coverage in Honolulu County.
The various Medicare plans and other available options work differently. Understanding how they compare is the key to choosing the right Medicare coverage.
Medicare Advantage Options in Honolulu County
Medicare Advantage plans in Honolulu County provide an all-in-one private coverage option that includes hospital and medical benefits, often with prescription drug coverage and additional extras. Plan availability, types, and cost limits vary by county.
| Medicare Advantage Snapshot | Honolulu County |
|---|---|
| Total Medicare Advantage plans | 22 |
| $0 premium plans | 11 |
| HMO plans | 7 |
| PPO plans | 15 |
| Plans with drug coverage | 19 |
| Lowest MOOP | $5,200 |
| Highest MOOP | $9,450 |
| Highest Part B giveback | $178.00 |
Top PPO Plans by Enrollments
| Plan | CMS Rating | Enrollment |
|---|---|---|
| AARP Medicare Advantage from UHC HI-0001 | 0.0 ★ | 14,806 |
| HMSA Akamai Advantage Complete | 0.0 ★ | 6,742 |
| AARP Medicare Advantage from UHC HI-5 | 0.0 ★ | 5,856 |
Top HMO Plans by Enrollments
| Plan | CMS Rating | Enrollment |
|---|---|---|
| Kaiser Permanente Senior Advantage Basic | 0.0 ★ | 7,088 |
| Humana Total Complete | 0.0 ★ | 5,048 |
| Kaiser Permanente Senior Advantage Enhanced | 0.0 ★ | 4,144 |
Medicare Advantage coverage varies based on network structure, inclusion of drug benefits, and maximum out-of-pocket costs each year. Many beneficiaries begin with these plans for their all-in-one coverage and added perks, but provider access and plan rules play a key role in the decision.
Medicare Part D Plans in Honolulu County
Medicare Part D plans offer standalone prescription drug coverage for individuals enrolled in Original Medicare. Costs and coverage vary based on premiums, deductibles, pharmacy networks, and covered medications.
Top Basic Coverage Plans by Enrollments
| Plan | Premium | Deductible | Enrollment |
|---|---|---|---|
| AARP Medicare Rx Saver from UHC (PDP) | $10.30 | $0 | 6,572 |
| Wellcare Classic (PDP) | $28.30 | $0 | 3,616 |
| Humana Basic Rx Plan (PDP) | $28.30 | $0 | 1,963 |
Top Enhanced Coverage Plans by Enrollments
| Plan | Premium | Deductible | Enrollment |
|---|---|---|---|
| Wellcare Value Script (PDP) | $23.30 | $0 | 4,081 |
| AARP Medicare Rx Preferred from UHC (PDP) | $201.10 | $0 | 2,641 |
| Humana Value Rx Plan (PDP) | $59.30 | $0 | 646 |
Part D plan choice depends less on the number of plans and more on whether your drugs are covered at your preferred pharmacy at a reasonable cost.
Medigap Plans in Honolulu County
Medigap plans supplement Original Medicare by covering deductibles, copayments, and coinsurance. Unlike Medicare Advantage, these plans do not replace Original Medicare and typically require a separate Part D plan for prescription drug coverage.
Across 10 insurers, sample data shows monthly premiums starting near $32 and rising above $1,057 based on plan type and pricing approach. Even with standardized benefits, pricing can vary significantly due to different rating methods and available discounts.
| Medigap Snapshot | Honolulu County |
|---|---|
| Works with Original Medicare | Yes |
| Includes prescription drug coverage | No |
| Requires separate Part D plan | Usually yes |
| Best fit for | Beneficiaries who want broad provider access and predictable cost sharing |
For residents of Honolulu, Medigap is often considered by people who want the flexibility to use providers nationwide who accept Medicare without relying on local Medicare Advantage networks.
Sample Plan G Pricing in Hawaii
Plan G typically ranges from $115 to $970.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | G | $155 | $456 |
| Humana | G | $259 | $970 |
| Mutual of Omaha | G | $128 | $365 |
Sample Plan N Pricing in Hawaii
Plan N typically ranges from $88 to $557.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | N | $103 | $268 |
| Mutual of Omaha | N | $93 | $330 |
Explore all Medicare Supplement plans in Hawaii for more details.
Special Needs Plans (SNPs) in Honolulu County
Special Needs Plans (SNPs) are a type of Medicare Advantage plan designed for individuals with specific eligibility criteria, such as dual eligibility for Medicaid, qualifying chronic conditions, or institutional care requirements.
| SNP Snapshot | Honolulu County |
|---|---|
| Total SNP plans | 7 |
| D-SNP plans | 5 |
| C-SNP plans | 2 |
| I-SNP plans | 0 |
Top D-SNP Plans by Enrollments
| Plan | CMS Rating | Enrollment |
|---|---|---|
| UHC Dual Complete HI-Y1 | 0.0 ★ | 17,709 |
| HMSA Akamai Advantage Dual Care | 0.0 ★ | 4,680 |
| AlohaCare Advantage Plus | 0.0 ★ | 2,502 |
Top C-SNP Plans by Enrollments
| Plan | CMS Rating | Enrollment |
|---|---|---|
| DEVOTED C-SNP PLUS 003 HI | 0.0 ★ | 278 |
| DEVOTED C-SNP GIVEBACK EXTRAS 006 HI | 0.0 ★ | 0 |
In Honolulu, SNP options are limited to individuals who meet specific eligibility criteria. While not a general option, they play an important role for beneficiaries with Medicaid or certain chronic health needs.
VA Coverage and Local Medicare Help in Honolulu County
Some beneficiaries may have additional coverage or support beyond standard Medicare plans, including VA health benefits, retiree coverage, and local counseling programs.
| Additional Support Options | Honolulu County |
|---|---|
| VA health coverage may coordinate with Medicare | Yes |
| SHIP / local counseling availability | Hawaii SHIP |
| Local help resource | State Health Insurance Assistance Program |
How to Choose the Right Medicare Coverage for You in Honolulu County
Choosing Medicare coverage comes down to how you want to receive care, manage Medicare costs, and access providers. Most decisions begin by choosing between Medicare Advantage and Original Medicare.
Medicare Advantage plans combine hospital, medical, and often prescription drug coverage into a single plan. These plans may offer lower monthly premiums and additional benefits, but typically require you to use a provider network.
Original Medicare allows you to see providers nationwide who accept Medicare. Many beneficiaries add a Part D prescription drug plan and a Medigap policy to help manage out-of-pocket costs and provide more predictable coverage.
Special Needs Plans (SNPs) may be available for individuals with specific health conditions or eligibility, including those with Medicaid. These plans are not available to everyone but can offer targeted benefits when you qualify.
The right choice depends on your preferred doctors, prescription needs, and how you want to balance monthly premiums with out-of-pocket costs.
To explore your options in more detail, start by reviewing available plans and coverage types in Honolulu County.
| Validation Field | Value |
|---|---|
| Publication validation canary | county:15003:2027:7F3A91C2 |
| Data Source | Publisher | Version |
|---|---|---|
| Medicare Advantage & Special Needs Plan Landscape Source Files | Centers for Medicare & Medicaid Services | CY2027 Landscape (202609.1) |
| Medicare Part C & D Performance Data | Centers for Medicare & Medicaid Services | 2027 Star Ratings Data Tables |
| Medicare Advantage & Part D Contract and Enrollment Data | Centers for Medicare & Medicaid Services | 2026-09 |
County-level figures shown on this page (including plan counts, enrollment totals, averages, and percentage distributions) are derived from CMS-published datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
| Publisher | Reference | Last Accessed |
|---|---|---|
| Medicare.gov | How to get prescription drug coverage | May 2, 2026 |
| Medicare.gov | Compare types of Medicare Advantage Plans | May 7, 2026 |
| NCOA.org | 5 Steps to Choosing the Right Medicare Plan for You | May 6, 2026 |
| Medicare.gov | Get Medigap Basics | May 5, 2026 |
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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.