Medicare Advantage Plans in Hawaii 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Hawaii has a unique Medicare Advantage market shaped by its island geography. HMSA, the Blue Cross Blue Shield affiliate in Hawaii, and Kaiser Permanente Hawaii are the dominant carriers. Plan availability and network depth vary significantly between Oahu and the neighbor islands of Maui, Kauai, and the Big Island.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Hawaii.
Rural Coverage Note
Parts of Hawaii have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Hawaii Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Hawaii
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Hawaii
Medigap is available in Hawaii from several carriers. Residents on the neighbor islands may find MA network options more limited than on Oahu, making Medigap a practical alternative for those who want access to mainland providers during travel.