Updated July 2, 2026
Hawaii has some of the highest Plan G premiums in the country. The typical figure sits around $218 per month, well above what buyers in most mainland states pay for identical coverage.
Why Hawaii Medigap costs run high
The same federal standardization that applies everywhere else applies here: a Plan G from any insurer covers the same things. What drives Hawaii's prices up is the state's cost of living. Healthcare labor, facilities, and operating costs are higher across the board, and insurers price their premiums accordingly. That means shopping carriers matters more, not less. Two insurers selling the same Plan G in Honolulu can differ by $40 or $50 a month, and both policies pay out identically when you use them. The Medigap cost calculator shows estimates by age, and the plan comparison breaks down what each letter covers.
Related Reading
Things to Know About Medigap Enrollment in Hawaii
Hawaii follows federal Open Enrollment rules. Your 6-month window begins when your Part B coverage starts, and during that period insurers must accept you without medical underwriting. Outside that window, an insurer can ask about your health history and can decline to cover you. Check your window with the open enrollment calculator. For a direct cost comparison between a Medigap plan and a Medicare Advantage plan, the Medigap vs Advantage calculator can help you work through the numbers.
FAQs
How much does Medigap Plan G cost in Hawaii?
Plan G premiums in Hawaii run around $218 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Can I switch Medigap plans later if I start in Hawaii?
You can apply to switch carriers or plan letters at any time, but outside a guaranteed-issue event most insurers in Hawaii will medically underwrite that new application.