Medicare Advantage

Before AEP ends: check your Pearl City 2027 plan

For 2027, Pearl City is looking at 29 Medicare Advantage plans: 5 new, 4 gone since 2026, and 13 still here but changed on premium, deductible, plan type or name, 3 of them under a new name. Below, how the lineup shifted in Honolulu County and what to compare, with no plan ranked or recommended.

2027 plan lineupPearl City, HI

Honolulu, fall 2026 — If you live in Pearl City and get your Medicare through a Medicare Advantage plan, the next few weeks are when the 2027 lineup comes into focus. The Annual Enrollment Period runs from October 15 through December 7, 2026, and any change you make now takes effect January 1, 2027. Pearl City is in Honolulu County, and county-level plan availability is what CMS uses to decide which Medicare Advantage plans you can pick from.

Here is a plain-English walk-through of the carriers serving Honolulu County going into 2027, the plan types they offer, and what to do if your current plan is not coming back.

How to read the Pearl City lineup

Medicare Advantage plans are approved and sold by county, so what you can buy in Pearl City is what CMS lists for Honolulu County. Going into the current plan year, that lineup includes 28 Medicare Advantage plans offered by 8 carriers: 9 HMO plans, 1 HMO-POS plan and 18 PPO plans. Eight of those are Special Needs Plans (SNPs), which are built for people who qualify for both Medicare and Medicaid or who have certain chronic conditions. All 28 include drug coverage.

The table below lists every plan by carrier. Use it alongside your Annual Notice of Change (ANOC) — the packet your current insurer mailed in September — to see what is changing in your specific plan.

Carrier by carrier, in Honolulu County

Listed alphabetically, here is who is on the ground:

• AlohaCare offers 2 plans (HMO), both Special Needs Plans: AlohaCare Advantage (HMO D-SNP) and AlohaCare Advantage Plus (HMO D-SNP).
• Centene (WellCare) offers 1 plan, an HMO-POS Special Needs Plan: Wellcare 'Ohana Dual Align (HMO-POS D-SNP).
• Devoted Health offers 7 plans across HMO and PPO, including one Special Needs Plan: DEVOTED C-SNP PLUS 003 HI (HMO C-SNP), DEVOTED CHOICE 004 HI (PPO), DEVOTED CHOICE GIVEBACK 005 HI (PPO), DEVOTED CHOICE MA ONLY 007 HI (PPO), DEVOTED CHOICE PREMIUM 006 HI (PPO), DEVOTED CORE 004 HI (HMO) and DEVOTED GIVEBACK 001 HI (HMO).
• HMSA Akamai Advantage offers 2 PPO plans: HMSA Akamai Advantage Complete (PPO) and HMSA Akamai Advantage Complete Plus (PPO).
• HMSA Akamai Advantage Dual Care offers 1 PPO Special Needs Plan: HMSA Akamai Advantage Dual Care (PPO D-SNP).
• Humana offers 6 plans across HMO and PPO: Humana Gold Plus H0028-082 (HMO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback with Rx (PPO), HumanaChoice H5216-313 (PPO), HumanaChoice H5216-464 (PPO) and HumanaChoice H5216-465 (PPO).
• Kaiser Permanente offers 3 HMO plans, including one Special Needs Plan: Kaiser Permanente Dual Complete Oahu (HMO D-SNP), Kaiser Permanente Senior Advantage Basic (HMO) and Kaiser Permanente Senior Advantage Enhanced (HMO).
• UnitedHealthcare offers 6 PPO plans, including two Special Needs Plans: AARP Medicare Advantage from UHC HI-0001 (PPO), AARP Medicare Advantage from UHC HI-0002 (PPO), AARP Medicare Advantage from UHC HI-5 (PPO), AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO), UHC Dual Complete HI-S001 (PPO D-SNP) and UHC Dual Complete HI-Y1 (PPO D-SNP).

We are not attaching premiums, copays, benefits, networks or star ratings to any of these — that is what the Medicare Plan Finder and each plan's Summary of Benefits are for.

Plan types, in one paragraph

An HMO generally asks you to use in-network providers and pick a primary doctor. An HMO-POS is an HMO with a limited option to go out of network for certain services. A PPO gives you more flexibility to see out-of-network providers, usually at a higher cost. A Special Needs Plan (D-SNP or C-SNP) is only for people who qualify — dual-eligible (Medicare and Medicaid) or with a specific chronic condition. Every Medicare Advantage plan available in Honolulu County for the current plan year includes Part D drug coverage.

If your plan is not returning for 2027

Not every plan renews every year. If your current insurer is discontinuing your plan for 2027, they must send you a written non-renewal notice — usually in early October. That notice triggers a Special Enrollment Period, which typically runs from December 8, 2026 through the end of February 2027, so you have time beyond the December 7 deadline to pick a new Medicare Advantage plan or return to Original Medicare with a stand-alone Part D drug plan. You will not be left without coverage on January 1 as long as you act inside that window.

If you got an Annual Notice of Change instead of a non-renewal, your plan is coming back — but details like the drug formulary, network or cost-sharing may be different. Read it.

The 2027 numbers you can plan around

CMS has confirmed a few Part D figures for 2027:

• The Part D out-of-pocket cap rises to $2,400 in 2027, up from $2,100 in 2026.
• The Part D maximum deductible a plan can charge rises to $700 in 2027, up from $615 in 2026.
• The national base beneficiary premium for 2027 is $41.33. This is a formula input CMS uses, not what any specific plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes those in November. We will not guess at them, and neither should anyone selling you a plan.

One other feature worth knowing: the Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the calendar year in monthly installments, instead of paying at the pharmacy counter. It is optional and free to opt into through your Part D or Medicare Advantage drug plan.

What to do between now and December 7

• Read your ANOC or non-renewal letter.
• Make a list of your doctors, your pharmacy and your prescriptions.
• Run those against the plans in the table at medicare.gov/plan-compare.
• If you want a human, Hawaii SHIP (the state's free counseling program) offers unbiased help at no cost.