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Hawaii · 2026 plan year

Medicare Advantage HMO plans in Hawaii

There are 18 Medicare Advantage HMO plans in Hawaii from 5 carriers, averaging 4.20 out of 5 stars across the 10 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

18
HMO plans
5
Carriers
5
Counties covered
4.2
Avg stars (10 of 18 rated)
$7,567
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

Hawaii HMO plans rate well above the national average.

Averaged across the 10 rated plans here, HMO coverage in Hawaii scores 4.20 stars against a national median of 3.82 for this plan type — 4th highest of 49 states. Star ratings measure the contract's performance on care quality, member experience and complaints.

8 of Hawaii's HMO plans carry no star rating yet.

CMS rates a contract, not a plan, and does not rate one that is too new or has too little data — so 8 plans here shows no rating at all. Unrated is not the same as badly rated; it usually means a new contract, and those plans have to be judged on benefits and network instead.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Hawaii

PlanStarsOut-of-pocket maxPremium / mo
Kaiser Permanente Senior Advantage Enhanced (HMO)Kaiser Permanente4.5★$5,100$146.30
Kaiser Permanente Senior Advantage Maui (HMO)Kaiser Permanente4.5★$5,100$148
Kaiser Permanente Employer Group MA only (HMO)Kaiser Permanente4.5★$6,700—
Kaiser Permanente Employer Group MA-PD (HMO)Kaiser Permanente4.5★$6,700—
Kaiser Permanente Employer Group MA-PD Part B (HMO)Kaiser Permanente4.5★$6,700—

Showing 5 of 18. See all HawaiiMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Kaiser PermanenteKaiser Foundation Health Plan, Inc.94.52
Devoted HealthDevoted Health, Inc.5—1
AlohaCare23.52
HumanaHumana Inc.13.5—
WellcareCentene Corporation1—1
Other plan types in Hawaii

How HMO compares

HMO
4.2★ avg · 5 carriers
18 plans · you are here
PPO
3.6★ avg · 5 carriers
30 plans

All HawaiiMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

North Carolina
4.22★ average
119 HMO plans
Iowa
4.15★ average
47 HMO plans
Louisiana
4.13★ average
78 HMO plans
Common questions

Hawaii Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Hawaii?
Of the Hawaii HMO plans with a published premium, 73% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $7,567 across these plans.
What are the star ratings for Hawaii HMO plans?
The 10 rated HMO plans in Hawaii average 4.20 out of 5 stars, with 7 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Hawaii?
There are 18 HMO plans from 5 carriers, sold across 5 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 6 of them are Special Needs Plans with extra eligibility rules (see below).
Do Hawaii HMO plans include prescription drug coverage?
18 of the 18 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Hawaii?
6 of the 18 HMO plans in Hawaii are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Hawaii Medicare Advantage plans.

Estimate my costs — it’s free →