Medicare Advantage

UnitedHealthcare's 2027 Medicare Advantage plans in Honolulu: one plan new, one not returning

HONOLULU — Fall 2026. UnitedHealthcare will offer six Medicare Advantage plans in Honolulu County for 2027, according to the CMS Medicare Advantage Landscape Source File for the coming plan year. One of those plans is new for 2027, and one plan the carrier offered in 2026 is not returning. The rest of this article walks through what UnitedHealthcare's lineup looks like here, what to compare before December 7, 2026, and where to go for the specifics on any one plan.

MyMedicarePlans.org is an independent consumer news and education site. We are not UnitedHealthcare, and we are not Medicare. Six other carriers also offer Medicare Advantage plans in Honolulu County for 2027, for 29 plans in total across all carriers.

What Medicare Advantage plans does UnitedHealthcare offer in Honolulu for 2027?

In Honolulu County, UnitedHealthcare is offering six Medicare Advantage plans for 2027. All six are PPOs. Two of them are Dual Special Needs Plans (D-SNPs), which are designed for people who have both Medicare and Medicaid. Five of the six include Part D prescription drug coverage; one is a PPO without drug coverage.

Honolulu is in Honolulu County, and Medicare Advantage availability is set at the county level, so these counts apply to every ZIP code in the county. The table below lists every UnitedHealthcare plan available here next year, in alphabetical order:

• AARP Medicare Advantage from UHC HI-0001 (PPO) — PPO, with drug coverage
• AARP Medicare Advantage from UHC HI-0002 (PPO) — PPO, with drug coverage
• AARP Medicare Advantage from UHC HI-5 (PPO) — PPO, with drug coverage
• AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) — PPO, without drug coverage
• UHC Dual Complete HI-Y1 (PPO D-SNP) — PPO D-SNP, with drug coverage
• UHC Dual Complete HI-YL (PPO D-SNP) — PPO D-SNP, with drug coverage, new for 2027

We cannot publish premiums, copays, deductibles, benefits, provider networks or star ratings for any of these plans — those details come from Medicare.gov's Plan Finder, 1-800-MEDICARE, or the plan's own Evidence of Coverage.

What is new or not returning from UnitedHealthcare in Honolulu for 2027?

Compared with 2026, UnitedHealthcare has one new Medicare Advantage plan in Honolulu County for 2027 and one plan that is not returning. The new plan appears in the list above as "new for 2027."

If you are enrolled in a UnitedHealthcare plan that is not being offered next year, the carrier is required to send you a written notice. In that case, you can pick a different plan during the Annual Enrollment Period (October 15 – December 7, 2026) for coverage that starts January 1, 2027. If your current plan is returning, you will have received an Annual Notice of Change (ANOC) in September that spells out exactly what is changing for 2027 — the premium, the drug list, the provider rules, the extras. Read it, even if you plan to stay.

What are the Special Needs Plans in UnitedHealthcare's 2027 Honolulu lineup?

UnitedHealthcare has two Dual Special Needs Plans (D-SNPs) in Honolulu County for 2027: UHC Dual Complete HI-Y1 and UHC Dual Complete HI-YL (the second is new for 2027). D-SNPs are only for people who qualify for both Medicare and Medicaid. There are no Chronic-Condition SNPs (C-SNPs) or Institutional SNPs (I-SNPs) in this carrier's 2027 Honolulu lineup.

If you are not sure whether you qualify for a D-SNP, Medicare.gov and your state Medicaid office can tell you.

How do I check a plan against my doctors and prescriptions before December 7?

Go to Medicare.gov's Plan Finder, enter your ZIP code and your drug list, and compare. Plan Finder will show you, for each plan available in Honolulu County, which of your prescriptions are on the formulary, the estimated yearly drug cost based on your medicines, the plan's monthly premium, and the maximum out-of-pocket amount for medical services. To check doctors, call the provider's office directly and ask whether they take the specific plan name and plan ID you are considering — networks can differ between two plans from the same carrier.

A few 2027 figures that will matter when you compare drug coverage:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026). Once your out-of-pocket spending on covered drugs hits that cap, you pay $0 for the rest of the year.
• The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026). Plans can charge less, but not more.
• The Medicare Prescription Payment Plan is still available — it lets you spread your drug costs across the calendar year in level monthly amounts instead of paying at the pharmacy counter.

CMS has not yet announced the 2027 Part B standard premium and deductible or the 2027 IRMAA income brackets. Those usually come out in November; check Medicare.gov for the official numbers once they are posted.

What happens if I do nothing by December 7, 2026?

Nothing dramatic. If your current plan is being offered again in 2027, you stay in it automatically — with whatever changes the ANOC describes. If your current plan is one of the ones not returning, your coverage ends December 31, 2026, and you will need to pick a new plan (or you may fall back to Original Medicare without drug coverage, which is usually not what people want). The Annual Enrollment Period closes December 7, 2026, for a January 1, 2027 start date. There is also a Medicare Advantage Open Enrollment Period from January 1 – March 31, 2027, when people already in a Medicare Advantage plan can switch once.