Best Medicare Advantage Plans in Hawaii for 2027
Every general-audience Medicare Advantage plan with drug coverage in Hawaii, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Hawaii plans, ranked
Showing all 33 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HMSA Akamai Advantage Select Plus (HMO)HMSA Akamai Advantage · HMO1 of 5 counties · drug deductible $450Dental · eyewear $200/yr | $45 | $5,200 | $5,740 | Too new to rate |
| 2 | HumanaChoice H5216-313 (PPO)Humana · PPO3 of 5 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $20 | $5,700 | $5,940 | 4★ |
| 3 | Humana Total Complete (HMO)Humana · HMO3 of 5 counties · drug deductible $700Dental · eyewear $150/yr | $0 | $6,300 | $6,300 | 4.5★ |
| 4 | DEVOTED CORE 004 HI (HMO)Devoted Health · HMO1 of 5 counties · drug deductible $650Dental up to $2,500/yr · eyewear $350/yr · OTC items $108/yr | $0 | $6,600 | $6,600 | Too new to rate |
| 5 | DEVOTED CORE 005 HI (HMO)Devoted Health · HMO3 of 5 counties · drug deductible $650Dental up to $2,500/yr · eyewear $350/yr · OTC items $120/yr | $0 | $6,600 | $6,600 | Too new to rate |
| 6 | AARP Medicare Advantage from UHC HI-0002 (PPO)UnitedHealthcare · PPO1 of 5 counties · drug deductible $685Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $69 | $5,900 | $6,728 | 4★ |
| 7 | Humana Essentials Plus Giveback (PPO)Humana · PPO3 of 5 counties · drug deductible $700Part B giveback $29/mo · Dental · eyewear $100/yr | $0−$29 Part B giveback | $7,150 | $6,802 | 4★ |
| 8 | HumanaChoice H5216-464 (PPO)Humana · PPO3 of 5 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $37 | $6,400 | $6,844 | 4★ |
| 9 | DEVOTED GIVEBACK EXTRAS 009 HI (HMO)Devoted Health · HMO3 of 5 counties · drug deductible $700Part B giveback $70/mo · Dental up to $1,500/yr · eyewear $400/yr · OTC items $504/yr | $0−$70 Part B giveback | $7,700 | $6,860 | Too new to rate |
| 10 | DEVOTED CHOICE 004 HI (PPO)Devoted Health · PPO1 of 5 counties · drug deductible $650Dental up to $1,000/yr · eyewear $200/yr · OTC items $80/yr | $0 | $6,900 | $6,900 | 3★ |
| 11 | DEVOTED CHOICE 008 HI (PPO)Devoted Health · PPO2 of 5 counties · drug deductible $461Dental up to $1,000/yr · eyewear $200/yr · OTC items $80/yr | $0 | $6,900 | $6,900 | 3★ |
| 12 | DEVOTED GIVEBACK EXTRAS 008 HI (HMO)Devoted Health · HMO1 of 5 counties · drug deductible $700Part B giveback $70/mo · Dental up to $1,500/yr · eyewear $400/yr · OTC items $440/yr | $0−$70 Part B giveback | $7,800 | $6,960 | Too new to rate |
| 13 | DEVOTED CHOICE 004 HI (PPO)Devoted Health · PPO1 of 5 counties · drug deductible $650Dental up to $1,000/yr · eyewear $200/yr | $0 | $7,050 | $7,050 | 3★ |
| 14 | AARP Medicare Advantage from UHC HI-0001 (PPO)UnitedHealthcare · PPO1 of 5 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 15 | Humana Value Choice (PPO)Humana · PPO3 of 5 counties · drug deductible $700Dental · eyewear $100/yr | $13 | $7,150 | $7,306 | 4★ |
| 16 | DEVOTED GIVEBACK 002 HI (HMO)Devoted Health · HMO3 of 5 counties · drug deductible $461Part B giveback $160/mo · Dental up to $250/yr · eyewear $200/yr | $0−$160 Part B giveback | $9,300 | $7,380 | Too new to rate |
| 17 | DEVOTED CHOICE PREMIUM 010 HI (PPO)Devoted Health · PPO2 of 5 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr · OTC items $120/yr | $57.70 | $6,700 | $7,392 | 3★ |
| 18 | AARP Medicare Advantage from UHC HI-5 (PPO)UnitedHealthcare · PPO4 of 5 counties · drug deductible $700Dental up to $3,500/yr · eyewear $125/yr · hearing aids $700/yr | $20.70 | $7,150 | $7,398 | 4★ |
| 19 | DEVOTED CHOICE PREMIUM 006 HI (PPO)Devoted Health · PPO1 of 5 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr · OTC items $120/yr | $63 | $6,700 | $7,456 | 3★ |
| 20 | AARP Medicare Advantage from UHC HI-0003 (PPO)UnitedHealthcare · PPO2 of 5 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $29 | $7,150 | $7,498 | 4★ |
| 21 | DEVOTED CHOICE PREMIUM 006 HI (PPO)Devoted Health · PPO1 of 5 counties · drug deductible $650Dental up to $2,500/yr · eyewear $150/yr · OTC items $120/yr | $69 | $6,700 | $7,528 | 3★ |
| 22 | DEVOTED GIVEBACK 001 HI (HMO)Devoted Health · HMO1 of 5 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $9,450 | $7,531 | Too new to rate |
| 23 | DEVOTED CHOICE GIVEBACK 009 HI (PPO)Devoted Health · PPO2 of 5 counties · drug deductible $461Part B giveback $137/mo · Dental up to $250/yr · eyewear $200/yr | $0−$137 Part B giveback | $9,300 | $7,656 | 3★ |
| 24 | DEVOTED CHOICE GIVEBACK 005 HI (PPO)Devoted Health · PPO1 of 5 counties · drug deductible $461Part B giveback $134.20/mo · Dental up to $250/yr · eyewear $200/yr | $0−$134.20 Part B giveback | $9,300 | $7,690 | 3★ |
| 25 | DEVOTED CHOICE GIVEBACK 005 HI (PPO)Devoted Health · PPO1 of 5 counties · drug deductible $461Part B giveback $119.40/mo · Dental up to $250/yr · eyewear $100/yr | $0−$119.40 Part B giveback | $9,450 | $8,017 | 3★ |
| 26 | Kaiser Permanente Senior Advantage Enhanced (HMO)Kaiser Permanente · HMO1 of 5 counties · drug deductible $0Dental | $178 | $6,100 | $8,236 | 4.5★ |
| 27 | Kaiser Permanente Senior Advantage Maui (HMO)Kaiser Permanente · HMO1 of 5 counties · drug deductible $0Dental | $198 | $6,100 | $8,476 | 4.5★ |
| 28 | HMSA Akamai Advantage Standard (PPO)HMSA Akamai Advantage · PPO4 of 5 counties · drug deductible $650Dental · eyewear $150/yr | $50 | $8,200 | $8,800 | 3★ |
| 29 | HMSA Akamai Advantage Complete (PPO)HMSA Akamai Advantage · PPO1 of 5 counties · drug deductible $700Dental · eyewear $150/yr | $55 | $8,200 | $8,860 | 3★ |
| 30 | HMSA Akamai Advantage Complete Plus (PPO)HMSA Akamai Advantage · PPO1 of 5 counties · drug deductible $550Dental · eyewear $200/yr | $240 | $6,200 | $9,080 | 3★ |
| 31 | HMSA Akamai Advantage Standard Plus (PPO)HMSA Akamai Advantage · PPO4 of 5 counties · drug deductible $550Dental · eyewear $200/yr | $240 | $6,200 | $9,080 | 3★ |
| 32 | Kaiser Permanente Senior Advantage Basic (HMO)Kaiser Permanente · HMO1 of 5 counties · drug deductible $0Dental | $61 | $8,750 | $9,482 | 4.5★ |
| 33 | Kaiser Permanente Senior Advantage Hawaii Island (HMO)Kaiser Permanente · HMO1 of 5 counties · drug deductible $0Dental | $205 | $7,750 | $10,210 | 4.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 4 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO)UnitedHealthcare · PPO1 of 5 countiesPart B giveback $120/mo · Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0−$120 Part B giveback | $7,150 | $5,710 | 4★ |
| 2 | AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO)UnitedHealthcare · PPO3 of 5 countiesPart B giveback $40/mo · Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4★ |
| 3 | Humana USAA Honor Giveback (PPO)Humana · PPO3 of 5 countiesPart B giveback $50/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$50 Part B giveback | $8,150 | $7,550 | 4★ |
| 4 | DEVOTED CHOICE MA ONLY 007 HI (PPO)Devoted Health · PPO4 of 5 countiesPart B giveback $110/mo · Dental up to $1,000/yr · eyewear $400/yr | $0−$110 Part B giveback | $9,250 | $7,930 | 3★ |
County pages
Hawaii County · Honolulu County · Maui County
Questions
How many Medicare Advantage plans are available in Hawaii for 2027?
CMS lists 33 general-audience Medicare Advantage plans with drug coverage in Hawaii for 2027, from 5 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Hawaii?
Yes. 15 of the 33 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Hawaii Medicare Advantage plan has the lowest worst-case cost?
HMSA Akamai Advantage Select Plus (HMO) from HMSA Akamai Advantage: $45 a month with an in-network out-of-pocket maximum of $5,200, so at most about $5,740 in premiums and in-network costs for the year. It is offered in 1 of 5 counties.
Which Hawaii Medicare Advantage plans have 4 or more stars?
13 of the 33 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Hawaii Medicare Advantage plans have a Part B giveback?
8 of the 33 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $160 a month, from DEVOTED GIVEBACK 002 HI (HMO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Hawaii?
The median in-network out-of-pocket maximum among these plans is $7,050. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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