Hawaii Medigap plans (also called Medicare Supplement plans) cover the gaps in Original Medicare, including deductibles, copays, and coinsurance that would otherwise come out of your pocket. This comprehensive Hawaii Medigap guide covers available plans, average premiums, top carriers, the birthday rule, guaranteed issue rights, and how to choose between Plan G, Plan N, and other options. Whether you are approaching your initial Medigap Open Enrollment or considering a plan switch, understanding Hawaii Medigap rules helps you make a confident decision.
All information verified against CMS data and state sources as of April 2026.
In This Hawaii Medigap Guide:
Medigap Plans Available in Hawaii
Standardized plans: A, B, C, D, F, G, K, L, M, N
Every Medigap plan with the same letter provides identical benefits regardless of which carrier sells it. Plan G from one company covers the exact same medical costs as Plan G from another company. The only difference is the premium and the customer service experience. This standardization makes comparison shopping straightforward.
Plan F: Still available in Hawaii for beneficiaries who became eligible for Medicare before January 1, 2020. Plan F covers all gaps including the Part B deductible. New enrollees after 2020 cannot purchase Plan F.
High-Deductible Plan G: Available in Hawaii. You pay a higher annual deductible before benefits kick in, but monthly premiums are significantly lower than standard Plan G.
Hawaii Medigap Rates: Plan G & Plan N
| Plan | Age 65 | Age 70 | Age 75 |
|---|---|---|---|
| Plan G | $199/mo | Varies | Varies |
| Plan N | $142/mo | Varies | Varies |
These are approximate averages. Your actual premium depends on your carrier, zip code, age, gender, and tobacco use. Always compare quotes from at least three carriers before choosing.
How Hawaii Medigap Pricing Works
Hawaii uses attained-age-rated Medigap pricing. Your premium increases as you age. This means your Medigap costs will rise over time, making it especially important to compare rates annually and switch carriers during open enrollment windows if available.
Household discount: Many Medigap carriers in Hawaii offer 5-12% household or spousal discounts when two people in the same household both have Medigap policies.
Plan G vs Plan N in Hawaii
Plan G and Plan N are the two most popular Medigap plans in Hawaii. Here is how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Part B Deductible | Not covered (you pay $240/year in 2026) | Not covered |
| Part B Copay | Covered (no copays) | Up to $20 copay for office visits, up to $50 for ER visits not resulting in admission |
| Part B Excess Charges | Covered | Not covered |
| Monthly Premium | Higher | Lower (typically 15-25% less than Plan G) |
| Best For | Predictable costs, no copays | Lower premiums, okay with small copays |
Bottom line: If you want the most comprehensive coverage with no copays at the doctor, choose Plan G. If you prefer lower monthly premiums and do not mind occasional $20 copays, Plan N offers strong coverage at a lower cost.
Top Medigap Carriers in Hawaii
Top Medigap carriers in Hawaii:
- Transamerica
- State Farm
- Globe Life
- USAA
- Mutual of Omaha
USAA typically offers among the lowest Plan G premiums in Hawaii. However, the cheapest carrier varies by zip code and age bracket.
When comparing Medigap carriers, the benefits are identical for the same plan letter. Focus on premium cost, AM Best financial strength rating (A or higher is strong), customer service reputation, and rate increase history.
Hawaii Medigap Switching Rights
Hawaii does not have a Medigap birthday rule. Your primary opportunity to buy or switch Medigap plans without medical underwriting is during your initial 6-month Medigap OEP.
Guaranteed Issue Rights in Hawaii
Federal law provides guaranteed issue rights in specific situations where you can buy a Medigap plan without medical underwriting:
- Losing employer/union coverage
- Your Medicare Advantage plan leaves your area
- You joined an MA plan when first eligible and want to switch back within 12 months (trial right)
- Your Medigap carrier goes bankrupt
Hawaii-specific guaranteed issue protections: Under-65 disabled Medicare beneficiaries receive guaranteed issue with same rates as age-65 enrollees, all Medigap plans must be offered to under-65 beneficiaries during their 6-month OEP, loss of employer coverage, Medicare Advantage plan leaves market or moves out of service area
Additional Hawaii Medigap rules: Hawaii requires all Medigap insurers to offer all their plans to Medicare beneficiaries under 65 on a guaranteed-issue basis at the same premium rates as age-65 enrollees. Insurers selling any Medigap policy in Hawaii must offer Plan A. Transamerica is the only carrier offering all 10 standardized plans. Hawaii has approximately 12 Medigap insurers. The 2026 high-deductible Plan G deductible is 2800.
Common Medigap Mistakes in Hawaii
- Missing your OEP: Your 6-month Medigap Open Enrollment Period is your best window. After it closes, carriers can deny you or charge higher premiums based on health.
- Choosing by carrier name alone: Medigap plans are standardized. A well-known brand’s Plan G costs more but covers the exact same benefits as a smaller carrier’s Plan G.
- Ignoring rate increase history: Some carriers offer low introductory rates then raise premiums aggressively. Ask for 5-year rate increase history before buying.
- Not comparing at least 3 carriers: Premium differences of 30-50% between carriers for the same plan letter are common.
- Confusing Medigap with Medicare Advantage: They are different products. You cannot have both simultaneously (except during limited trial rights).
Compare Hawaii Medigap Rates
Ready to compare Medigap plans in Hawaii? Use the official Medicare Plan Finder or contact your local SHIP counselor.
Official Sources & Resources
- Medicare.gov: medicare.gov
- Hawaii Insurance Division, Department of Commerce and Consumer Affairs: https://cca.hawaii.gov/ins/
- NAIC Medigap Shopping Guide: naic.org
- CMS Medicare & You Handbook: Medicare & You (PDF)
Last verified April 2026. Contact us if you notice outdated information.