No Cost Medicare Help for Hawaii, by Phone and Video
Appointments happen by phone and video, which suits Hawaii well: no interisland travel, no waiting room, and time zone differences are easy to work around. Carriers pay her commission, so premiums are identical to enrolling direct and there is never a fee to you. Lara compares plans across several insurance companies, checks your providers and prescriptions, and helps with the paperwork from start to finish. Call (818) 472-5484.
Medicare Basics in Hawaii
As of February 2026, 314,705 Hawaii residents were enrolled in Medicare. Part A covers hospital care and Part B covers doctors and outpatient services. From there you choose one of two paths: a Medicare Advantage plan that delivers your benefits through a private network, or Original Medicare paired with a Medigap policy and a stand alone Part D drug plan. Hawaii SHIP, the Hawaii State Health Insurance Assistance Program run through the state Department of Health Executive Office on Aging, offers free counseling. Lara adds hands on enrollment help and carrier comparisons alongside it. The 2026 numbers for Hawaii, from the official CMS Landscape file: 35 distinct Medicare Advantage plans are offered in at least one Hawaii county, 18 of them with a $0 monthly premium where offered, plus 9 Special Needs Plans. The in network out of pocket maximums on those plans run from $5,100 to $9,250, with a median of $6,700. What is actually available depends on your county, which is exactly what we check at your address (Goulson analysis of CMS CY2026 Landscape data).
Medicare Open Enrollment Runs October 15 to December 7, 2026
The Annual Enrollment Period for 2027 coverage runs October 15 to December 7, 2026, with changes effective January 1, 2027. Premiums, drug formularies, and provider networks change every year, and network changes matter more in Hawaii because interisland access to specialists is limited. Review your Annual Notice of Change now and book a review call well before December 7.
Hawaii Medigap Rules Are Among the Most Protective in the Country
Hawaii requires Medigap insurers to offer all plans guaranteed issue, without medical underwriting, during the six month window that starts with Part B enrollment, at any age. That includes people under 65 who are on Medicare through disability, and insurers cannot charge them higher premiums based on that disability. The rule appears in Hawaii Administrative Rules section 16-12-6.2. Ten insurers offered individual Medigap plans in Hawaii as of 2026, and the same plan letter can be priced very differently by each of them, so shopping matters even when access is protected.
Medicare Advantage in Hawaii
About 57 percent of Hawaii Medicare beneficiaries choose Medicare Advantage, above the 51 percent national average, and more than 40 plans are available statewide for 2026, including zero premium options. The caution is network geography. A plan that looks generous on Oahu may have a thin specialist network on Hawaii Island, Maui, or Kauai, and referrals that require travel change the real cost of care. Check the network island by island before you enroll.
Serving Honolulu, Hilo, Kailua, and Every Island
Honolulu clients have the widest plan selection in the state and the deepest provider networks. Hilo and the rest of Hawaii Island face longer distances to specialists, which makes network checks essential. Kailua and windward Oahu residents often want to keep a specific primary care practice. Phone and video service covers Oahu, Hawaii Island, Maui, and Kauai equally.
Why Use an Independent Agent Instead of Calling Carriers
A carrier representative can only quote that carrier. Lara compares multiple carriers in one call, helps with paperwork, and provides year round service at no cost. Medicare also pays for very little long term care, which is worth planning for separately in a state where family caregiving is often stretched across islands.
Hawaii Medicare: Talk to a Licensed Agent
Medicare is easier when someone reads the fine print with you. Lara Goulson is licensed in Hawaii and ten other states, compares plans from multiple carriers, and stays available after you enroll, when the questions about claims, drug tiers, and provider changes actually show up. There is no fee for any of it. Carriers pay agent compensation, so a Hawaii resident pays exactly the same premium whether they enroll through Lara, through a call center, or on their own.
Call or text (818) 472-5484 for a free Hawaii Medicare review. No cost, no obligation, and your premium is the same either way.
Licensed in 11 states · 5.0 rated on Google · No cost to work with you