Medicare Supplement

Medigap in Hawaii for 2027: 8 Insurers and the Plans They Sell

HONOLULU — As Medicare's Annual Enrollment Period for 2027 moves through its October 15 to December 7, 2026 window, Hawaii residents weighing how to pair Original Medicare with extra coverage have a defined set of Medicare Supplement (Medigap) choices to compare. A search on Medicare.gov's Medigap policy tool for ZIP code 96813 lists eight insurers selling standardized Medigap plans in the state, with plan letters ranging across A, B, C, D, F, F-HD, G, G-HD, K, L and N.

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What is Medigap and how is it different from Medicare Advantage in Hawaii?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay costs Original Medicare leaves to the beneficiary, such as coinsurance and deductibles. Medicare Advantage, by contrast, replaces how you get your Part A and Part B benefits by enrolling you in a private plan, often with its own network and extra benefits.

You cannot use both at the same time. If you have a Medigap policy, you are using Original Medicare for your care, and you typically add a stand-alone Part D plan for prescriptions. Medigap policies sold today are standardized by federal plan letter, so a Plan G from one insurer provides the same core benefits as a Plan G from another insurer, even though premiums and customer service can differ.

Which insurers sell Medigap in Hawaii, and which plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 96813 lists eight insurers for Hawaii. What is actually available to you can differ by ZIP code and by age, sex and tobacco use, so always confirm on Medicare.gov or with the insurer.

Listed insurers and the plan letters shown for them:

• AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
• Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD, N
• Humana (Humana Insurance Company): A, B, C, F, F-HD, G, G-HD, K, L
• Loyal American Life Insurance Company (CIGNA): A, F, G, N
• Mutual of Omaha (Mutual of Omaha Insurance Company): A, C, D, F, G, G-HD, N
• State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
• United American Insurance Company: A, B, F, F-HD, G, G-HD
• USAA Life Insurance Company: A, F, G, N

Across the eight insurers, plan letters sold by at least one carrier in Hawaii include A, B, C, D, F, F-HD, G, G-HD, K, L and N. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

What is the Medigap Open Enrollment Period in Hawaii, and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are 65 or older and enrolled in Medicare Part B. During this window, you can buy any Medigap policy sold in Hawaii from any insurer that sells it, and the insurer cannot use your health history to deny you, charge you more, or make you wait for pre-existing conditions beyond federal limits.

This matters because, outside of that six-month window and outside of specific guaranteed-issue situations, insurers in most states can use medical underwriting when you apply. That means your health can affect whether you are offered a policy and at what price. If you are approaching 65 or just starting Part B, the dates of your personal window are worth marking on a calendar.

What happens if my Medicare Advantage plan is not returning to Hawaii in 2027?

According to CMS Landscape files, six Medicare Advantage plans offered in Hawaii in 2026 are not being offered anywhere in the state in 2027. If you are enrolled in a plan that is leaving, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting, within the timeframes Medicare sets.

Guaranteed-issue rights also apply in other situations, such as losing certain employer coverage or moving out of a plan's service area. Medicare.gov lists which Medigap plan letters you can buy under each guaranteed-issue scenario, and the deadlines that apply. If you receive a non-renewal notice from your Medicare Advantage plan, keep it; insurers may ask to see it when you apply.

Does Medigap in Hawaii cover prescription drugs?

No. Medigap policies sold today do not include prescription drug coverage. To get drug coverage with Original Medicare and a Medigap policy, you enroll in a stand-alone Medicare Part D prescription drug plan.

For 2027, Part D has a $2,400 annual out-of-pocket cap on covered drugs (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set plan by plan. Annual Enrollment for 2027 runs October 15 – December 7, 2026, with choices effective January 1, 2027.

How should I compare Medigap policies in Hawaii?

Start with the plan letter, because benefits are standardized by letter. Once you know which letter fits how you want to handle out-of-pocket costs, compare insurers on price, how they raise premiums over time, customer service, and billing options. Medicare.gov's Medigap policy search lets you see which insurers sell which letters for your ZIP code, and you can request specific premium quotes from the insurer or a licensed agent.

Keep in mind that two insurers selling the same lettered plan must provide the same core benefits; the differences are in price and service. Also note that the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027, which can affect household budgeting as you compare premiums.

Where can Hawaii residents get free help with Medigap questions?

You can get free, personalized help directly from Medicare. Visit Medicare.gov to use the Medigap policy search and the Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227), which is available 24 hours a day, seven days a week. Both can walk you through plan letters, guaranteed-issue rights and how Medigap works with Part D.