Medicare Part D
Hawaii Part D Plans for 2027: 8 Stand-Alone Drug Plans From 4 Insurers
HONOLULU — People with Medicare across Hawaii will choose from 8 stand-alone Medicare Part D prescription drug plans for 2027, offered by 4 insurers, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. Because Hawaii is a single CMS Part D region, every stand-alone plan counted here is available statewide, from Hawaii Island to Kauai.
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Click to call 855-729-3240Key takeaways
- Hawaii has 8 stand-alone Part D plans from 4 insurers for 2027, the same plan and insurer counts as 2026.
- Blue Cross and Blue Shield of IL, NM, OK, TX is new to Hawaii's stand-alone Part D market for 2027; Aetna Medicare is not offering stand-alone plans in Hawaii for 2027.
- The Part D out-of-pocket cap is $2,400 in 2027, and no Part D plan may charge a deductible higher than $700.
- Annual Enrollment runs October 15 through December 7, 2026, with 2027 coverage starting January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Part D maximum deductible (2026) | $615 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
The 2027 totals match 2026 at the headline level — 8 plans from 4 insurers — but the mix of insurers has changed. Blue Cross and Blue Shield of IL, NM, OK, TX is new to Hawaii's stand-alone market for 2027, and Aetna Medicare offered stand-alone plans in 2026 but will not in 2027. The Annual Enrollment Period runs October 15 through December 7, 2026, and the choice a person makes during that window takes effect January 1, 2027.
How many stand-alone Part D plans are offered in Hawaii for 2027?
Hawaii has 8 stand-alone Medicare Part D plans from 4 insurers for 2027. That is the same count as 2026, when 4 insurers also offered 8 plans statewide.
The insurer lineup has shifted, though. For 2027, Blue Cross and Blue Shield of IL, NM, OK, TX enters Hawaii's stand-alone market, while Aetna Medicare — which sold stand-alone plans in Hawaii in 2026 — is not on the 2027 list. If you are currently in an Aetna stand-alone Part D plan in Hawaii, watch for the Annual Notice of Change from your current insurer and compare options before December 7, 2026.
Which insurers offer stand-alone Part D plans in Hawaii for 2027?
Four insurers offer stand-alone Part D plans in Hawaii for 2027. In alphabetical order:
- Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan
- Humana — 3 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
All 8 plans are offered region-wide because Hawaii is one CMS Part D region. Premiums, deductibles, drug lists (formularies) and pharmacy networks vary plan by plan; the Medicare Plan Finder at Medicare.gov is the official place to see those details side by side.
What do the 2027 Part D out-of-pocket cap and deductible limit mean in Hawaii?
In 2027, no one in a Medicare Part D plan — in Hawaii or anywhere else — will pay more than $2,400 out of pocket for covered prescription drugs in a calendar year. That cap rose from $2,100 in 2026. Separately, the most any Part D plan may charge as an annual deductible in 2027 is $700; individual plans may charge less or structure the deductible differently.
The $2,400 cap is a ceiling that applies after your plan's cost-sharing is counted; it does not include your monthly premium. Once you hit it, you pay $0 for covered Part D drugs for the rest of the plan year. CMS also publishes a national base beneficiary premium of $41.33 for 2027, which is used in the late-enrollment penalty calculation; actual plan premiums are set by each plan.
Which Hawaii Part D plans can a person with full Extra Help join with no premium in 2027?
In Hawaii for 2027, 3 stand-alone Part D plans are available with no monthly premium to someone who qualifies for full Extra Help — these are CMS's "benchmark" plans. In 2026 there were 4.
Extra Help is the federal Low-Income Subsidy that lowers Part D premiums, deductibles and copays for people with limited income and resources. If you already have full Extra Help and your current plan is no longer a benchmark plan for 2027, you may want to review your options during Annual Enrollment. You can apply for Extra Help through the Social Security Administration at any time.
How does stand-alone Part D in Hawaii compare with drug coverage inside Medicare Advantage?
A stand-alone Part D plan is a drug-only plan that pairs with Original Medicare (Part A and Part B) or, in some cases, with other coverage. The 8 plans counted in this article are stand-alone Part D plans in Hawaii.
Many Medicare Advantage plans include prescription drug coverage built in (often called MA-PD plans), and those are counted separately from stand-alone Part D. If you are enrolled in a Medicare Advantage plan that already includes Part D, you generally do not also need a stand-alone Part D plan. The Medicare Plan Finder at Medicare.gov lets you look at both types of coverage.
How can Hawaii residents check a plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at Medicare.gov is the official tool to check whether a specific 2027 Hawaii Part D plan covers your medications and which pharmacies are in its network. You can enter your prescriptions, your preferred pharmacies on Oahu, Maui, Kauai or Hawaii Island, and see each plan's formulary tier and pharmacy status.
You can also call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week, or read the plan's own Evidence of Coverage and formulary documents. Doing this before December 7, 2026 gives you time to make a confident choice for coverage that starts January 1, 2027.
Where can Hawaii residents get free help with Medicare questions?
Free, official help is available year-round from Medicare itself. Call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, or visit Medicare.gov to compare plans, check enrollment status and read plan documents.
The Social Security Administration also handles Extra Help applications and announced a 3.6 percent cost-of-living adjustment (COLA) on October 14, 2026 for benefits payable beginning January 2027. CMS has not yet announced the 2027 Part B standard premium and deductible or the 2027 IRMAA income brackets; those figures are typically released in the fall.
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.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
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.
Good to know
Frequently asked questions
How many stand-alone Part D plans will Hawaii have in 2027?
When is Medicare Open Enrollment for 2027 coverage?
What is the Part D out-of-pocket cap for 2027?
Where can I compare the specific Hawaii Part D plans for 2027?
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Landscape Source Files (2027 and 2026): Hawaii stand-alone Part D plan and insurer counts, insurer entries and exits, and benchmark plan counts.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 out-of-pocket cap, maximum deductible, and base beneficiary premium.
- Medicare.gov — Medicare enrollment periods: Annual Enrollment dates and January 1, 2027 effective date.
- Social Security Administration: the 3.6 percent COLA announced October 14, 2026 for January 2027 benefits.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.