Best Medicare Supplement Plans in Hawaii (2026)

State Farm has the lowest rates for Plans C, D, F and N among Hawaii's Medicare Supplement providers. Compare plan options and rates.

Compare Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: June 8, 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 $319 monthly for Medigap coverage based on which plan type they select.

Best Cheap Medicare Supplement Companies in Hawaii

State Farm posts the lowest rates for Plans N, D, C and F in Hawaii. USAA prices Plans A and G lower than any other Hawaii provider, though membership is limited to military families. Transamerica is the only carrier with all 10 plan types, and it's the only option for Plans K and L.

When we pulled rates for 65-year-olds, the Plan G spread ran $185 per month, from $134 at USAA to $319 at AARP. That's $2,220 per year for identical coverage. We expected Hawaii's rating prohibition to compress that gap. It's wider than most states in MoneyGeek's Hawaii rate data.

Among the four providers reviewed, seven of the 10 plan types use Attained Age Pricing. The rate you see at 65 rises every year. A plan that costs $134 per month now will cost more at 67, and more again at 70.


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.

Plan N at $105 per month is State Farm's lowest-cost option, $37 below the $142 state average. Plans D, C and F follow at $136, $184 and $186 per month.

USAA prices Plan G $2 below State Farm and Plan A $85 below the state average. The advantage is much larger on Plan A. On Plan G, USAA's $134 per month rate beats State Farm's $136 by $2, a gap too small to drive the decision. On Plan A, that gap widens to $85 per month against the state average.

Plan A's $85 monthly gap against the state average is more than 40 times larger than the $2 gap on Plan G.

Transamerica is the only provider in Hawaii offering all 10 plan types, and it leads on the cost-sharing options that most carriers skip. Plan K at $68 per month is $12 below the state average. Plan L at $100 per month saves $22 compared to the average.

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
- Plan C available at $184 per month, among the lowest in Hawaii
- Plan D priced at $136 monthly
- Plan F offered at $186 per month
- Plan N costs $105 monthly
cons
- Attained-age pricing means premiums increase over time
- No Plan K, Plan L or Plan M options available
State Farm leads Hawaii's Medigap market on price across four plan types. Plan N costs $1,260 per year, $444 below the $1,704 state average and Plan F saves $1,008 per year against the $3,240 state average. The insurer uses Attained Age Pricing across all its Hawaii plans, so rates will increase annually with age.

State Farm doesn't offer Plans K, L or M, which matters for seniors who want the cost-sharing options with out-of-pocket limits. Plan K's $8,000 annual cap and Plan L's $4,000 cap can protect against large medical bills in ways that State Farm's plan lineup doesn't cover. Transamerica is the better fit for those plans.
State Farm covers only six of the 10 standardized plan types. Its Attained Age Pricing means premiums rise every year from age 65. State Farm has no Plan K or Plan L. Transamerica covers all 10 plan types, with Plans K, L and M priced on Issue Age Pricing.

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, rates rise annually from age 65
USAA prices Plans A and G lower than any other Hawaii provider. Plan A costs $110 per month, $85 below the state average of $195. Plan G is $134 per month, $84 below the average of $218. For military families choosing between these two plans, USAA is the best-priced option in the state by a wide margin.

USAA covers four plan types in Hawaii: A, F, G and N. Plan A starts at $110 per month, the lowest rate among USAA's four Hawaii plan types. The insurer holds an AM Best rating of A++. Membership is open only to active military, veterans and their immediate family members.
USAA works only for the military community. Civilians can't enroll, full stop. Beyond eligibility, USAA's plan lineup skips six of the 10 standardized types, so seniors who want Plan B, C, D, K, L or M will need to look elsewhere. Globe Life covers Plan B, State Farm covers C and D, and Transamerica is the only Hawaii provider with all 10 types.

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
- Plan B priced at $166 per month, one of the lower rates in Hawaii
- Offers six plan options, including Plans A, C and F
- AM Best A financial strength rating
cons
- Doesn't offer the full range of plan types available in the market
- Uses attained-age pricing, so premiums rise as you get older
- No cost-sharing Plans K or L
Globe Life has the lowest Plan B rate in Hawaii at $166 per month, which is $56 below the state average of $222. Globe Life is worth comparing first for seniors who want Plan B coverage at the lowest available Hawaii rate.

Six plan types are available: A, B, C, F, G and N.Plan B costs $166 per month, the lowest Plan B rate in Hawaii. Globe Life uses Attained Age Pricing. Most applicants can enroll without a medical exam. The company holds an A rating from AM Best.
Globe Life doesn't cover Plans D, K, L or M, which rules it out for seniors interested in the cost-sharing options or Plan D's lower-cost comprehensive coverage. Its Plan G rate of $172 per month also ranks fourth among Hawaii providers, trailing USAA by $38, State Farm by $36 and Transamerica by $21. If Plan G is your target, Globe Life isn't your best option.

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
- Plan K available at $68 per month, one of the lowest rates in Hawaii
- Plan L priced at $100 monthly
- Plan M offered at $124 per month
- Carries the full range of plan options
cons
- Attained Age Pricing applies to Plans A, B, C, D, F, G and N
Transamerica is the only provider in Hawaii covering all 10 Medicare Supplement plan types. Its pricing advantage is sharpest on the cost-sharing plans that most carriers skip: Plan K costs $816 per year, $144 below the $960 state average. Plan L costs $1,200 per year, $264 below the $1,464 state average.

For seniors who want Plan G, Transamerica's $151 per month rate falls between USAA's $134 and Globe Life's $172. It's not the lowest, but it's the only provider offering Plan G alongside Plans K, L and M in the same enrollment. Transamerica holds an AM Best rating of A (Excellent).
Transamerica's Plan G rate of $151 per month is $17 more than USAA's $134 and $15 more than State Farm's $136. Seniors focused only on Plan G costs will find better prices elsewhere. Transamerica uses Issue Age Pricing for Plans K, L and M. Its pricing model for Plans A, B, C, D, F, G and N is unconfirmed.

Find Hawaii Medicare Supplement Plans That Fit Your Needs

You may need different coverage from these popular options. Use the filterable table below to find the best company that matches your 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 range from $80 to $270 per month for 65-year-olds, depending on plan type. Plan G averages $218 per month and covers everything except the Part B deductible. Plan K is the lowest-cost option at $960 per year. Plan F is the most expensive at $3,240 per year.

Plan N averages $1,704 per year and covers most costs with lower premiums than Plan G. Plan L costs $1,464 per year and Plan M costs $1,488 per year for seniors comfortable with partial cost-sharing on deductibles.


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

Choose your plan type first, then pick the lowest-priced carrier for that type. Federal law standardizes all 10 Medicare Supplement plan types in Hawaii, so Plan G from State Farm covers exactly the same benefits as Plan G from USAA. Only the premium differs.

Seniors with frequent doctor visits or ongoing prescriptions get the most from Plan G, which covers everything except the Part B deductible. Those on fixed incomes who want lower monthly costs and can absorb some out-of-pocket spending do better with Plan K or Plan N.

Seniors who travel internationally should confirm their plan includes foreign travel emergency coverage. Plans C, D, F, G, M and N all include it. Plans K and L do not.

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 on three factors.

1
Customer Satisfaction and Complaints
Check customer feedback through J.D. Power and the NAIC complaint index. The NAIC index measures complaint volume against each company's market share. A carrier with 100 complaints and 10% market share has a worse record than one with 200 complaints and 40% market share.
2
Plan Pricing
Identical plans have different prices across insurers. For Plan G alone, the spread in Hawaii runs from $134 at USAA to $319 at AARP.
3
Added Benefits
Some Hawaii Medigap insurers include gym memberships and vision discounts at no extra cost. Others add wellness programs. Ask each insurer what's included beyond the standardized coverage before you enroll.

Hawaii Medicare Resources

If you are looking into Medigap coverage, you can reach out to these statewide 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 covers Part A and Part B deductibles, co-insurance, copays and the first three pints of blood. Some plans add Part B excess charges, skilled nursing facility co-insurance and foreign travel emergency coverage. Prescription drugs are excluded from all Medigap plans. So are dental, vision and long-term care.

Are Medicare Supplement plans worth it?

Medicare Supplement plans are worth the premium if you want predictable annual costs and the freedom to see any Medicare-accepting provider in the country without referrals or network restrictions. Seniors with frequent medical needs or those who travel often get the most value.

When can I enroll in Medigap plans in Hawaii?

Hawaii residents can enroll in Medigap at any time, but the six-month Open Enrollment Period that starts when you turn 65 and enroll in Medicare Part B is the strongest window. During that period, insurers must accept your application regardless of pre-existing conditions and can't charge more based on your health history. Outside that window, coverage and pricing aren't guaranteed.

Can I switch from Medicare Advantage to Medigap in Hawaii?

Hawaii residents can switch from Medicare Advantage to Medigap, but insurers will review your health history and may deny coverage or charge higher premiums based on your medical conditions. The best time to switch is during the Medigap Open Enrollment Period at age 65, when guaranteed acceptance rights apply.

Does Hawaii have any state-specific rules that affect Medigap pricing?

Yes.Hawaii bars insurers from rating Medigap premiums by age or gender. Credit history is also off-limits as a pricing factor. Most states allow all three as rating factors, which means younger or healthier enrollees elsewhere can pay less than older ones for the same plan. In Hawaii, everyone in the same plan pays the same rate regardless of age or health history. That uniformity doesn't close the gap between carriers. For Plan G alone, the spread between the cheapest and most expensive provider in Hawaii runs $185 per month.

Which Medigap plan covers the most in Hawaii?

Plan G covers the most for new enrollees in Hawaii. It pays Part A and Part B co-insurance, the Part A deductible, skilled nursing facility co-insurance, foreign travel emergency costs and Part B excess charges. The only gap is the Part B deductible, which is $283 in 2026. Plan F covered that deductible too, but it's closed to anyone who became eligible for Medicare after January 1, 2020.

Our Review Methodology

MoneyGeek collected rate data for all Medicare Supplement plans available in Hawaii through the plan browsing tool at Medicare.gov. We pulled quotes in May 2026 for 65-year-old and 75-year-old enrollees across all 10 standardized plan types.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

Read Full Bio »

Best Medicare Supplement Plans in Hawaii (2026)

Best Cheap Medicare Supplement Companies in Hawaii

State Farm

USAA

Globe Life

Transamerica

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?

Does Hawaii have any state-specific rules that affect Medigap pricing?

Which Medigap plan covers the most in Hawaii?

Our Review Methodology

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