Medicare Advantage
Pearl City Medicare 2027: 26 Plans to Weigh
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.
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Pearl City, Hawaii — If you're sorting through Medicare choices for 2027, here's the local lay of the land: Pearl City is in Honolulu County, where 26 Medicare Advantage plans are available for the coming plan year, according to CMS Medicare Plan Finder and Landscape data. Knowing how many options you have — and where they come from — is the first step to making a calm, informed choice.
Key takeaways
- Honolulu County has 28 Medicare Advantage plans available for 2026, offered by 7 carriers.
- Hawaii has 8 stand-alone Part D plans for 2027, sold statewide, so anyone in Honolulu County with Original Medicare can join one of them.
- The Annual Enrollment Period runs Oct. 15 through Dec. 7, and Medicare Advantage Open Enrollment follows from Jan. 1 through March 31.
- The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. The Part D maximum deductible is $615 in 2026 and $700 in 2027.
What "26 plans" really means for Pearl City
Medicare Advantage availability is set at the county level, not the city level. That means every Pearl City resident on Medicare shares the same menu as the rest of Honolulu County: 26 Medicare Advantage plans from 7 different carriers for 2027.
That's a healthy number of choices, but it can also feel overwhelming. The counts tell you what's on the shelf — they don't tell you which plan fits your doctors, your prescriptions, or your budget. That comparison work happens on medicare.gov or with a trained counselor.
A note on stand-alone Part D in the area
Hawaii has 8 stand-alone Part D plans for 2027, sold statewide, and residents of Honolulu County can enroll in any of them. Most people in Hawaii get their drug coverage bundled into a Medicare Advantage plan (an "MA-PD") rather than as a separate Part D policy.
If you have Original Medicare and want drug coverage, don't assume you're out of options — check medicare.gov with your ZIP code, or call 1-800-MEDICARE, because plan availability can shift and your situation may qualify for coverage the landscape summary doesn't capture.
Carriers and star ratings in Honolulu County
Seven carriers offer MA-PD plans in the county for 2027. CMS also publishes Star Ratings — a 1-to-5 scale that measures things like customer service, member experience, and how well a plan manages chronic conditions.
Star Ratings are one data point among many; they're useful context, not a scoreboard. Use them alongside your own priorities: your doctors, your medications, and how you like to get care.
2027 Medicare rules everyone should know
A few program-wide changes take effect in 2027 that apply no matter which plan you choose:
- Part D out-of-pocket cap: Your total drug spending under Part D is capped at $2,400 for the year in 2027.
- Part D deductible: No Part D plan can charge a deductible higher than $700 in 2027.
- No more donut hole: As of 2025, the coverage gap phase is gone. Part D now has three phases instead of four.
- Prescription Payment Plan: You can ask to spread your drug costs into predictable monthly payments through the year at no extra charge.
- IRMAA: Higher-income enrollees pay a Part B and Part D surcharge. For 2026, the threshold begins above $109,000 in income for a single filer.
Key dates for Pearl City enrollees
Mark two windows on your calendar:
- Annual Enrollment Period (AEP): Oct. 15 – Dec. 7, 2026. This is when anyone with Medicare can switch between Original Medicare, Medicare Advantage, and Part D drug plans for 2027.
- Medicare Advantage Open Enrollment Period (MA OEP): Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to change to a different MA plan or return to Original Medicare.
Outside those windows, you generally need a Special Enrollment Period — for example, if you move or lose other coverage.
Where to get unbiased help
With 26 Medicare Advantage plans on the Honolulu County menu, you don't have to figure this out alone. Three free, unbiased places to start:
- medicare.gov/plan-compare — the official Plan Finder, where you can enter your ZIP code and prescriptions.
- 1-800-MEDICARE (1-800-633-4227) — available 24/7.
- Hawaii SHIP (Sage PLUS Program): free one-on-one Medicare counseling from trained volunteers. Call 1-888-875-9229.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Honolulu County
(MA penetration in Honolulu County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
How many Medicare Advantage plans can I choose from in Pearl City for 2027?
How many stand-alone Part D plans can I choose from in my area?
What is the Part D out-of-pocket cap for 2027?
When can I change my Medicare plan?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Pearl City
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This page was last updated: October 8, 2026.