Medicare Supplement Insurance (Medigap) helps Hawaii seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. In Hawaii, insurers may offer up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Hawaii
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 7,024 |
| 2 | G | 2,558 |
| 3 | N | 2,319 |
Note: Plans E, H, I, and J have been retired nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? Hawaii law offers stronger consumer protections than many states — insurers must sell all Medigap plans to under-65 beneficiaries and cannot charge higher premiums based on age. This makes Hawaii one of the most equitable Medigap markets in the country.
How Medigap Pricing Works in Hawaii
Premiums for Medigap coverage can increase differently depending on the pricing method used by insurers. In Hawaii, plans may follow one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – All beneficiaries pay the same premium, regardless of age.
Under-65 Eligibility in Hawaii
Hawaii provides guaranteed access to Medigap for residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). Unlike in many states, insurers must make every Medigap plan available and cannot impose age-based premium differences, giving younger beneficiaries the same pricing structure as seniors.
Choosing a Medigap Plan in Hawaii
Although Plan F remains the most popular choice among Hawaii beneficiaries, Plan G and Plan N are growing alternatives that provide strong coverage at competitive premiums. Because all Medigap plans are accepted nationwide by any provider that takes Medicare, Hawaii residents benefit from reliable coverage both on the islands and while traveling to the mainland.
To review premiums and compare plans in your ZIP code, visit our Medigap rate comparison page.