2026 Medicare Advantage Plans in Hawaii by County
Enter your ZIP code below to explore Medicare Advantage plans available in your area of Hawaii for 2026. Plan availability and details can vary by county.
Explore Plans in your area using your ZIP Code
Comparing Original Medicare and Medicare Advantage in Hawaii
Across the country, many Medicare beneficiaries decide to enroll in Medicare Advantage rather than remain with Original Medicare. Medicare Advantage (Part C) plans are offered by Medicare-approved private companies and are required to cover everything included in Parts A and B.
Plans may differ, however, in their provider access, out-of-pocket costs, and any extra features they include. That’s why comparing plan details is such an important step in making your choice.
Understanding Medicare’s Plan Rating Scale
Medicare Star Ratings are an important tool for evaluating Medicare Advantage plans in Hawaii. Each year, CMS assigns a rating from 1 to 5 stars, with higher scores indicating stronger performance across several measures.
These measures include things like preventive care, chronic condition management, customer service, and member experience. Reviewing Star Ratings can help you understand how one plan stacks up against another.
Access to 5-star Medicare Advantage plans isn’t guaranteed in every Hawaii County. Plans with 4 stars or fewer may still deliver quality care and benefits. Be sure to look at the Star Ratings before making a final decision.
Choosing a Plan: More Than Just the Stars
Star Ratings provide useful information about a plan’s quality, but they don’t tell the whole story. Your individual needs should guide your choice. For example, if fitness or wellness programs are important to you, look for plans that include those benefits.
Checking a Plan’s Formulary and Drug Benefits
Many Medicare Advantage options come bundled with Part D drug coverage. If you need medications on a regular basis, take time to review the formulary — the document that lists covered drugs and their cost tiers.
Watch for conditions such as prior approval requirements or quantity restrictions. Being aware of these rules can make a big difference in planning and controlling your prescription expenses.
Doctors, Specialists, and Hospitals in Your Network
Most Medicare Advantage plans use provider networks, meaning you’ll generally need to get care from doctors, hospitals, and specialists in that network unless it’s an emergency. This is different from Original Medicare, which allows broader access.
Check whether your current providers are included in a plan’s network to avoid disruptions in care. It’s also wise to look at the network’s overall reach, particularly if you split time between locations or travel frequently.
Understanding Out-of-Pocket Expenses
Each Medicare Advantage plan has its own structure for out-of-pocket costs. Key factors include deductibles, copays, and coinsurance. Tools like Medicare.gov’s Plan Finder can provide personalized cost estimates to guide your evaluation.
Aligning a plan with your healthcare usage patterns can help control costs. Be sure to consider what you might spend on optional benefits such as dental, hearing, or vision coverage as part of the overall equation.
How to Compare Medicare Advantage Plans in Hawaii
Take your time when choosing a Medicare Advantage plan — it’s an important decision that affects your healthcare and budget. Review the plans Hawaii offers using reliable sources and comparison tools.
A good place to begin is Medicare’s official Plan Finder at Medicare.gov, where you can compare plans side by side based on your zip code and needs. You may also want to explore online resources, check plan documents, and talk with people you trust who are already enrolled.
Getting Help With Medicare Advantage Decisions
If Medicare Advantage feels complex, remember that support is available. You can speak with a licensed Medicare agent or call Medicare directly at 1-800-MEDICARE for assistance tailored to your situation.
These resources can answer your questions, explain plan details, and help you find options that fit your health and budget. Don’t hesitate to reach out — expert guidance can make the process easier.
Explore Plans in your area using your ZIP Code
The MA and MAPD plans available though this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Hawaii.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
This page was last updated on .