Best Medicare Supplement Plans in Hawaii 2026
Hawaii has no birthday rule, making your initial Open Enrollment Period the most important enrollment decision. Plan G starts at $134/mo (USAA, military families only). State Farm offers the lowest Plan N at $105/mo with an A++ rating. Over 20+ carriers serve the Hawaii market.
Hawaii Has No Birthday Rule: Your Initial Plan Choice Is Critical
Unlike California, Oregon, and other states with birthday rules, Hawaii does not give you an annual window to switch Medigap carriers without underwriting. Once your 6-month Open Enrollment Period ends, you will face health questions if you try to change plans. Compare carriers carefully before you enroll and consider long-term rate stability, not just today's lowest premium.
More than 95,000 Hawaii residents have Medicare Supplement Insurance, also called Medigap. Hawaii follows standard federal Medigap rules, offering plans A through N with no state-specific modifications. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026).
Hawaii has a strong Medicare Advantage market, particularly Kaiser Permanente Hawaii, which many seniors choose for its integrated care model. However, Medigap offers important advantages: no network restrictions, predictable costs, and coverage that works with any Medicare-accepting provider nationwide. For Hawaii residents who travel to the mainland for specialty care, Medigap is often the better choice.
Plan G premiums in Honolulu range from $134/mo (USAA, military only) to $259/mo (Humana) for a 65-year-old. For the general public, AARP/UHC at $155/mo and Transamerica at $151/mo offer the best value. State Farm stands out with an A++ AM Best rating and the lowest Plan N in Hawaii at just $105/mo.
Compare the Best Medicare Supplement Plans in Hawaii
Our top-rated Medigap carriers in Hawaii, ranked by the MedicareFAQ Score. Rates shown are for a 65-year-old in the Honolulu area and are updated for 2026.
USAA
Plan G
$134/mo
Plan N
N/A/mo
AM Best
A++
USAA offers the lowest Plan G premium in Hawaii at $134/mo and holds the highest possible AM Best rating (A++). For military veterans and their families in Hawaii, USAA is the clear top choice combining the lowest rate with the highest financial strength.
Transamerica
Plan G
$151/mo
Plan N
$124/mo
AM Best
A
Transamerica is the only carrier in Hawaii that offers all 10 standard Medigap plan types, including the cost-sharing Plans K, L, and M. With Plan G at $151/mo and the full plan lineup, Transamerica is the best choice for Hawaii enrollees who want maximum flexibility.
State Farm
Plan G
$176/mo
Plan N
$105/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and offers the lowest Plan N in Hawaii at just $105/mo. For enrollees who want the best value on Plan N or prefer face-to-face local agent service with the highest financial strength, State Farm is an excellent choice.
Globe Life
Plan G
$172/mo
Plan N
N/A/mo
AM Best
A
Globe Life offers six plan types in Hawaii including Plans A, B, C, F, G, and N. With competitive pricing and solid financial strength, Globe Life is a reliable option for Hawaii enrollees who want a broad selection of coverage levels.
Mutual of Omaha
Plan G
$199/mo
Plan N
$141/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier for customer service in Hawaii, combining A+ financial strength with outstanding support. Their 7% household discount and stable rate history make them a trusted choice for Hawaii retirees who prioritize long-term reliability over the lowest initial premium.
Hawaii Medigap Premium Comparison
Monthly premiums for a 65-year-old in Honolulu, Hawaii. Rates are for standard Plan G, Plan N, and Plan F. Premiums vary by island, age, gender, and tobacco use.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| USAA | $134 | N/A | N/A |
| Transamerica | $151 | $124 | N/A |
| Globe Life | $172 | N/A | $186 |
| State Farm | $176 | $105 | $186 |
| AARP / UnitedHealthcare | $155 | $112 | N/A |
| Humana | $259 | $178 | N/A |
| Mutual of Omaha | $199 | $141 | $228 |
| Cigna | $185 | $130 | N/A |
Rates are for a 65-year-old in Honolulu, Hawaii. N/A indicates the plan is not offered by that carrier in Hawaii. USAA is available only to military members, veterans, and their families. Plan F is only available to Medicare beneficiaries who became eligible before January 1, 2020. Source: carrier rate filings, updated 2026.
Plan G vs. Plan N in Hawaii
Plan G and Plan N are the two most popular Medigap plans for new enrollees in Hawaii. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium (lowest HI rate) | $134/mo (USAA, military) | $105/mo (State Farm) |
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered (with copays) |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | None | Up to $20 |
| ER visit copay (no admission) | None | Up to $50 |
| Best for | Frequent care, predictable costs | Healthy seniors, low monthly costs |
Hawaii has no birthday rule, so your initial Open Enrollment Period is your most important decision point. If you are a military veteran or family member, USAA at $134/mo is the clear first choice with A++ financial strength. For the general public, State Farm at $176/mo for Plan G or $105/mo for Plan N is the best combination of financial strength and competitive pricing. If you live on a neighbor island, verify availability and rates for your specific island before enrolling, as some carriers have limited presence outside Oahu. Transamerica is the right choice if you want all 10 plan types or issue-age pricing for long-term rate stability.
Hawaii Medigap Rules You Should Know
No Birthday Rule in Hawaii
Hawaii does not have a birthday rule. Outside of your initial 6-month Open Enrollment Period, switching Medigap plans requires medical underwriting. Carriers can deny your application or charge higher premiums based on health history. Your initial enrollment window is the most important time to choose the right plan.
Prepaid Health Plans Are Common
Hawaii has a strong tradition of prepaid health plans, including Kaiser Permanente Hawaii, which operates as a Medicare Advantage plan rather than a Medigap carrier. Many Hawaii seniors choose Medicare Advantage over Medigap. If you prefer Original Medicare with Medigap, you have access to 20+ carriers statewide.
Neighbor Island Availability
Not all Medigap carriers serve the neighbor islands (Maui, Kauai, Hawaii Island, Molokai, Lanai) at the same rates as Oahu. Some carriers may charge different premiums or have limited agent availability on neighbor islands. Always verify availability and rates for your specific island.
Attained-Age Rating Is Standard
Most Hawaii Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your enrollment age, are available from select carriers and may save money long-term for enrollees who plan to keep the same carrier for many years.
Free Counseling via Hawaii SHIP
Hawaii's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-888-875-9229 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
Under-65 Coverage: Limited Availability
Hawaii does not require insurance companies to sell Medigap plans to Medicare beneficiaries under 65 who qualify due to disability. Some carriers voluntarily offer under-65 coverage, but availability is limited. Check with individual carriers for options if you are under 65.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Hawaii market average
Plan Availability
Number of plan types offered in Hawaii
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, carrier rate filings, CMS Medicare Plan Finder
Frequently Asked Questions
Compare Hawaii Medigap Rates Before You Enroll
Hawaii has no birthday rule. Your initial Open Enrollment Period is your best opportunity to lock in coverage without medical underwriting. Plan G starts at $134/mo (USAA, military) or $151/mo (Transamerica) for the general public. Compare all carriers before enrolling.