$0 Premium Medicare Advantage Plans in Hawaii
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Hawaii for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 15 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO3 of 5 counties · drug deductible $700Dental · eyewear $150/yr | $0 | $6,300 | $6,300 | 4.5★ |
| 2 | 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 |
| 3 | 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 |
| 4 | 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★ |
| 5 | 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 |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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 |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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 |
| 12 | 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 |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
No $0-premium plan with drug coverage in: Kalawao.
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Hawaii Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Hawaii for 2027?
15 of the 33 general-audience Medicare Advantage plans with drug coverage in Hawaii have a $0 monthly plan premium for 2027. 1 county has Advantage plans but none at $0.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Hawaii's $0 plans, the lowest in-network maximum is $6,300 and the median is $7,150.
Which $0 premium plan in Hawaii has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana, with an in-network out-of-pocket maximum of $6,300. It is sold in 3 of 5 counties.
Do any $0 premium plans in Hawaii also have a Part B giveback?
Yes, 8 of them. See the Hawaii Part B giveback plans.
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
Keep going
- All Hawaii Medicare Advantage plans, ranked →
- Part B giveback plans in Hawaii →
- Where $0 plans are disappearing in 2027 →
Other states
Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin