Best Medicare Supplement Plans in Hawaii (2026)

State Farm offers the best Medicare Supplement plans in Hawaii with the lowest rates for Plans C, D, F and N. Compare coverage options and find affordable Medigap insurance today.

Discover the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: January 23, 2026

Advertising & Editorial Disclosure

Key Takeaways

Plans C, D, F and N from State Farm offer Hawaii's most affordable Medicare Supplement options among the state's popular policies, with monthly savings ranging from $37 to $84 compared to average rates.

USAA, Transamerica and Globe Life provide the best pricing for Plans A, B, G, K, L and M across Hawaii.

Hawaii's 65-year-olds pay between $36 and $391 monthly for Medigap coverage based on which plan type they select.

Best Cheap Medicare Supplement Companies in Hawaii

Our review of Hawaii’s Medicare Supplement market shows a wide range of coverage across all 10 standardized plan types, with monthly premiums for 65-year-olds running from $68 to $186. These Medigap options give seniors dependable coverage choices at price points that fit different budgets.

State Farm offers the lowest prices for several commonly selected plans, including Plan N at $105 per month, Plan D at $136, Plan C at $184 and Plan F at $186. USAA posts competitive rates for Plans A and G, while Globe Life focuses on Plan B coverage.

Transamerica completes the lineup with lower-cost options for Plans K, L and M. Depending on the plan chosen, Hawaii residents can lower monthly costs by as much as $85 compared to state averages.


USAA	A	$110	$85	Attained Age Pricing
Globe Life	B	$166	$56	Attained Age Pricing
State Farm	C	$184	$64	Attained Age Pricing
State Farm	D	$136	$45	Attained Age Pricing
State Farm	F	$186	$84	Attained Age Pricing
USAA	G	$134	$84	Attained Age Pricing
Transamerica	K	$68	$12	Issue Age Pricing
Transamerica	L	$100	$22	Issue Age Pricing
Transamerica	M	$124	$0	Issue Age Pricing
State Farm	N	$105	$37	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

State Farm

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$176
Plan Types
A, C, D, F, G, N

pros
- Best Plan C rates in Hawaii ($184 a month)
- Best Plan D rates in Hawaii ($136 a month)
- Best Plan F rates in Hawaii ($186 a month)
- Best Plan N rates in Hawaii ($105 a month)
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
State Farm brings national brand recognition and financial strength to Hawaii's Medicare Supplement market, offering six plan types with competitive rates across multiple options. It ranks first for Plan F at just $186 monthly, saving Hawaii seniors $84 compared to state averages, while its Plan N costs only $105 per month with $37 in savings.

The company also offers strong value on Plan C at $184 monthly and Plan D at $136 monthly, beating state averages by $64 and $45 respectively. Beyond these four standout options, the insurer provides Plans A and G to give seniors a complete range of coverage choices.

State Farm uses Attained Age Pricing, which means premiums increase as you age to reflect higher health care costs over time. The company's biggest advantage is its extensive network of local agents who provide personalized service and support throughout your Medicare journey.

It holds an AM Best rating of A++ (Superior), indicating strong financial stability and the ability to meet ongoing insurance obligations for Hawaii policyholders.

USAA

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

3.9/5Pricing Style

3.4/5Plan Availability

Average Plan G Rate
$134
Plan Types
A, F, G, N

pros
- Best Plan A rates in Hawaii ($110 a month)
- Best Plan G rates in Hawaii ($134 a month)
- Strong financial stability with high ratings
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
USAA focuses on military families in Hawaii's Medicare Supplement market. The company leads on pricing for Plan A at $110 monthly and Plan G at $134 per month. That's $85 and $84 below Hawaii's state averages.

New enrollees can choose from four plan types: A, F, G and N. Monthly costs range from $110 to $271. USAA uses Attained Age Pricing, so your premiums will climb as you age.

Military families get specialized services designed around their unique needs. USAA holds an AM Best rating of A++, showing solid financial strength. Keep in mind that only military community members and their families can access USAA Medicare Supplement plans.

Globe Life

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.4/5Pricing Style

4/5Plan Availability

Average Plan G Rate
$172
Plan Types
A, B, C, F, G, N

pros
- Best Plan B rates in Hawaii ($166 a month)
- Six plan types including comprehensive options A, C and F
- Strong financial stability with good ratings
cons
- Limited plan selection compared to insurers offering all plan types
- Attained Age Pricing means premiums increase with age
- No cost-sharing plans K or L available
Globe Life is a long-standing insurer in Hawaii’s Medicare Supplement market, offering coverage backed by decades in the industry. It posts the lowest rates for Plan B at $166 per month, which is $56 less than many other options statewide.

The company offers six Medigap plans, including A, B, C, F, G and N, with monthly costs ranging from $36 to $277 depending on the plan selected. It follows an attained-age pricing model, so premiums increase as policyholders get older.

One of its key strengths is a simplified enrollment process, with most applicants able to apply without a medical exam. The company holds an A rating from AM Best for financial stability, though plan availability may vary by location within Hawaii.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$151
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Best Plan K rates in Hawaii ($68 a month)
- Best Plan L rates in Hawaii ($100 a month)
- Best Plan M rates in Hawaii ($124 a month)
- All plan types available
cons
- Attained Age Pricing means your premiums increase with age
Transamerica offers all 10 standardized Medicare Supplement plan types in Hawaii. No other provider in the state matches this selection. The company excels with cost-sharing plans, leading for Plan K at $68 monthly and Plan L at $100 monthly. That's $12 and $22 below Hawaii's state averages.

Hawaii residents can choose from Plans A, B, C, D, F, G, K, L, M and N. Transamerica uses Attained Age Pricing, so premiums climb as you age to reflect rising health care costs.

Beyond standard Medicare Supplement benefits, Transamerica includes wellness programs and preventive care services. The company holds an AM Best rating of A (Excellent), showing strong financial stability for long-term coverage.

Find Hawaii Medicare Supplement Plans That Fit Your Needs

Your coverage needs may differ from these popular options. Explore the filterable table below to find the best Hawaii Medicare Supplement company that matches your specific situation.

Data filtered by:


USAA	G	No	65	$134	$0	No Data
State Farm	G	No	65	$136	$0	No Data
Transamerica	G	No	65	$151	$0	No Data
Globe Life	G	No	65	$172	$0	No Data
Mutual of Omaha	G	No	65	$178	$0	No Data
United American	G	No	65	$181	$0	No Data
Cigna	G	No	65	$193	$0	No Data
Bankers Life	G	No	65	$193	$0	No Data
Humana	G	No	65	$278	$0	No Data
AARP	G	No	65	$319	$0	No Data

Hawaii Medicare Supplement Plan Cost

Medigap costs in Hawaii span $80 to $270 monthly for 65-year-olds depending on plan type. Medicare Supplement insurance costs vary greatly based on which plan you choose.

Plan G, the state’s most popular choice, averages about $199 per month and provides comprehensive coverage. At $80 per month, Plan K offers the lowest premiums, while Plan F tops the cost spectrum at $270 monthly.

Seniors wanting strong protection with lower premiums often choose Plan N at $142 monthly. Additional affordable plans include Plan L at $122, Plan M at $124 and Plan D at $181 each month.


A	$195	$2340
B	$222	$2664
C	$248	$2976
D	$181	$2172
F	$270	$3240
G	$218	$2616
K	$80	$960
L	$122	$1464
M	$124	$1488
N	$142	$1704

How to Choose the Best Hawaii Medicare Supplement Plan

Federal law standardizes Medicare Supplement plans in Hawaii, so Plan G offers identical benefits regardless of which company sells it. Premium amounts vary while benefits stay the same across insurers. Learning what each plan type covers helps you balance monthly premiums against potential out-of-pocket costs.

Most Comprehensive Coverage

Plan G: Similar to Plan F, covers everything except Part B deductible.
Plan F: Covers all gaps including Part B deductible and excess charges (not available for new enrollees as of 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan M: Covers 50% of Part A deductible with moderate premiums.
Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000.
Plan L: Comparable to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000.

Premium Coverage

Plan C: Offers Part B deductible and foreign travel emergency coverage (closed to new members as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Hawaii Medicare Supplement Company

After choosing your plan type, compare providers in Hawaii. Focus on these elements when selecting a Medicare Supplement insurer.

1
Customer Satisfaction and Complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. Examine customer feedback from J.D. Power and the NAIC. These resources provide reliable data on insurer performance and complaint histories to guide your decision.
2
Plan Pricing
Identical plans cost different amounts across insurers, sometimes varying by hundreds of dollars annually. Do side-by-side comparisons of premiums from multiple companies. Look for the best value without sacrificing coverage quality or service standards. Small price differences add up over time.
3
Added Benefits
Insurers may provide discounts on other services like gym memberships, vision care or wellness programs. These perks add value to your coverage across different policy types, including Medigap plans. Consider how these extras align with your health needs and lifestyle preferences when comparing options.

Hawaii Medicare Resources

Hawaii kupuna exploring Medigap coverage can connect with these island-wide assistance programs:

Hawaii State Health Insurance Assistance Program (Hawaii SHIP): Hawaii SHIP operates through the Executive Office on Aging, offering one-on-one consultations and presentations from certified volunteer counselors statewide. Counselors explain Medicare coverage, Medigap, prescription drug plans and preventive benefits. Call (808) 586-7299 on Oahu or toll-free (888) 875-9229 for neighboring islands. Hawaii SHIP administers the MIPPA program, helping low-income, rurally isolated, Native Hawaiian and limited English-speaking kupuna save on medical and prescription costs.
Department of Commerce and Consumer Affairs - Insurance Division: The Compliance and Enforcement Branch investigates insurance complaints for statutory compliance. Speak with an investigator before filing by calling (808) 586-2790 between 7:45 a.m. and 4:30 p.m. Monday through Friday. Submit complaints online or mail to P.O. Box 3614, Honolulu, Hawaii 96811. The division takes disciplinary actions when necessary and refers prosecution cases to the Attorney General.
Executive Office on Aging - County Agencies: Four county Area Agencies provide services through Aging and Disability Resource Centers functioning as one-stop shops for seniors and people with disabilities. Services include adult day care, transportation, case management, congregate meals, home-delivered meals and caregiver support. Contact your county: Honolulu (808) 768-7700, Hawaii County (808) 961-8626, Maui County (808) 270-7774, Kauai County (808) 241-4470. Priority given to low-income, limited English-speaking and disabled populations.
Medicare.gov: Search Medicare Supplement plans in Hawaii by ZIP code to compare insurers and premiums. Hawaii prohibits using gender, age or credit history as rating factors, creating uniform Medigap pricing.

Medicare Supplement Plans in Hawaii: FAQ

Below are answers to common questions about Medigap coverage in Hawaii.

What does Medigap cover in Hawaii?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Select plans also handle Part B excess charges, skilled nursing facility coinsurance, and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision, and long-term care services.

Are Medicare Supplement plans worth it?

Medicare Supplement plans benefit seniors who want stable costs and nationwide provider access. They're particularly valuable for those with ongoing healthcare needs or chronic conditions, as they help cover gaps in Original Medicare. However, healthy individuals with substantial savings might find Original Medicare sufficient and prefer avoiding the additional monthly premiums that supplement plans require.

When can I enroll in Medigap plans in Hawaii?

You can enroll in Medigap plans anytime in Hawaii, but the optimal time is during your initial enrollment period. This six-month window begins when you turn 65 and enroll in Medicare Part B. During this period, insurers must accept you regardless of pre-existing conditions and cannot charge higher premiums based on your health status.

Can I switch from Medicare Advantage to Medigap in Hawaii?

Yes, you can switch from Medicare Advantage to Medigap in Hawaii, but insurers will evaluate your health and may deny coverage or charge higher premiums based on your medical conditions. The ideal time to make this switch is during your Medigap Open Enrollment Period when you turn 65, as you have guaranteed coverage rights. Outside this window, protection from denial is limited to specific qualifying circumstances.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Hawaii for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Hawaii based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Medicare Supplement Plans in Hawaii (2026)

Best Cheap Medicare Supplement Companies in Hawaii

Find Hawaii Medicare Supplement Plans That Fit Your Needs

Hawaii Medicare Supplement Plan Cost

How to Choose the Best Hawaii Medicare Supplement Plan

How to Find the Best Hawaii Medicare Supplement Company

Hawaii Medicare Resources

Medicare Supplement Plans in Hawaii: FAQ

What does Medigap cover in Hawaii?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Hawaii?

Can I switch from Medicare Advantage to Medigap in Hawaii?

Our Review Methodology

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