Medicare Supplement Plans in Hawaii 2025: Costs, Coverage & Top Insurers

Medicare Supplement Insurance, commonly known as Medigap, is designed to bridge the coverage gaps left by Original Medicare Parts A and B. Although less widely adopted in Hawaii compared to other states, residents have access to a variety of Medicare supplement plans tailored to their healthcare needs.

What Is Medicare Supplement Insurance?

Medicare Supplement Insurance helps cover out-of-pocket expenses that Original Medicare doesn’t pay, such as copayments, coinsurance, and deductibles. Key points include:

• Plans are offered by private insurance companies approved by Medicare.
• Enrollment requires active Medicare Part A and Part B coverage.
• Medigap plans cannot be combined with Medicare Advantage (Part C) plans.
• There are 10 standardized plan types labeled A, B, C, D, F, G, K, L, M, and N, with consistent benefits nationwide except for special rules in Massachusetts, Minnesota, and Wisconsin.
• Plans C and F are no longer available to individuals who became eligible for Medicare on or after January 1, 2020.
• During the first six months of Part B enrollment, insurers cannot deny coverage or charge higher premiums based on health conditions.

Medicare Supplement Plans Available in Hawaii

Hawaii’s Medicare supplement plans offer the same standardized benefits as those in other states, varying primarily by monthly premium costs and any additional perks offered by insurers.

In 2025, residents can choose from all 10 Medigap plan types, including high deductible versions of Plans F and G. Popular plans such as A, F, G, and N are widely available.

Leading companies providing Medicare supplement insurance in Hawaii include:

• AARP (UnitedHealthcare)
• Globe Life
• Humana
• Loyal American
• Mutual of Omaha
• State Farm
• Transamerica
• United American
• USAA
• Washington National

Medicare Supplement Plan Costs in Hawaii

Premiums for Medicare supplement plans in Hawaii depend on factors such as the insurer, your age, gender, and tobacco use. According to the Kaiser Family Foundation (KFF), the average monthly premium was approximately $192 in 2023.

Most plans use an attained-age pricing model, meaning premiums increase as you get older. To obtain precise cost estimates tailored to your personal situation and location, utilize Medicare’s coverage finder tool.

Popular Medicare Supplement Plans in Hawaii

Only about 9% of Hawaii residents enrolled in Original Medicare had a Medicare supplement plan in 2023, reflecting lower adoption compared to national averages.

Nationally, Plans G and F dominate the market, making up around 75% of all Medigap policies sold.

For personalized advice and assistance with Medicare supplement plans in Hawaii, contact the State Health Insurance Assistance Program (SHIP) at 888-875-9229 or visit their website.

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