A licensed agent for Honolulu, not a call center
Medicare help in Honolulu does not have to mean an 800 number and a stranger reading a script. Lara Goulson is an independent agent licensed in Hawaii who serves Honolulu by phone and video, compares plans from multiple carriers, and answers to you rather than to any one insurance company. Working with her is free, in English, Spanish, or Hebrew.
Honolulu Medicare by the numbers, 2026
Every point below is verified against the named source. This is the picture a plan comparison starts from. The 2026 numbers for Honolulu County, computed from the official CMS Landscape file: 20 Medicare Advantage plans open to general enrollment, 11 of them with a $0 monthly plan premium, plus 8 Special Needs Plans. The average in network out of pocket maximum across those plans is $6,732, with a range from $5,100 to $9,250, which is why two similar looking plans can behave very differently in a hard year (Goulson analysis of CMS CY2026 Landscape data).
- Medicare beneficiaries in Honolulu County have 20 Medicare Advantage plans to consider for 2026.Medicare.org, 2026
- Of those 20 Honolulu County plans, 11 are offered at a $0 monthly premium for 2026.ConnieHealth, 2026
- As of February 2026, 314,705 Hawaii residents were enrolled in Medicare.healthinsurance.org, 2026
- The Queen's Medical Center in Honolulu is Hawaii's only Level I trauma center and has been ranked the top hospital in the state by U.S. News for 12 straight years.U.S. News & World Report, 2025
- Hawaii Pacific Health operates Straub Benioff Medical Center and Kapiolani Medical Center for Women and Children in Honolulu, while Kaiser Permanente serves Oahu members through its Moanalua Medical Center.Hawaii Pacific Health and Kaiser Permanente, 2026
What Annual Enrollment means for Honolulu in 2026
Mark October 15 to December 7, 2026: that is when Honolulu residents can change Medicare coverage for 2027. Even people happy with their plan should check the Annual Notice of Change letter, because networks and drug lists shift every year. A no cost review catches those changes before they cost you money.
Hawaii rules Honolulu residents should know
Honolulu sits inside Hawaii rules for Medigap switching, under 65 access, and consumer protections. Those rules can save real money when you know them and cost real money when you do not. The complete Hawaii page walks through each one.
What independent actually means for you
Independent means the recommendation is built around you, not a sales quota. Lara compares multiple carriers side by side, explains the tradeoffs in plain language, and stays reachable after you enroll. If your best move is keeping the plan you have, she will say exactly that.
Ready when you are
Bring your questions, your Annual Notice of Change letter, or just your curiosity. Lara will lay out your Honolulu options in plain language and you keep every decision in your own hands.
Free plan review for Honolulu residents, by phone or video: (818) 472-5484.
Licensed in 11 states · 5.0 rated on Google · No cost to work with you