2026 Medicare costs in Hawaii
Medicare premiums, deductibles, and out-of-pocket maximums are set by federal law and the same for Hawaii residents as elsewhere. Here's everything you need to know about 2026 costs.
Part B premiums and deductible
The standard Part B premium for 2026 is $202.90/month. The annual deductible is $283.
Income-Related Monthly Adjustment Amount (IRMAA)
Higher-income beneficiaries pay more. 2026 IRMAA brackets (based on 2024 tax return income):
| Individual MAGI | Joint MAGI | Total Part B premium |
|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 |
| $109,000 – $137,000 | $218,000 – $274,000 | ~$284 |
| $137,000 – $171,000 | $274,000 – $342,000 | ~$405 |
| $171,000 – $205,000 | $342,000 – $410,000 | ~$527 |
| $205,000 – $500,000 | $410,000 – $750,000 | ~$648 |
| $500,000+ | $750,000+ | ~$689 |
Bracket amounts are approximate; check Medicare.gov for exact 2026 figures. If your income has dropped due to a life event (retirement, loss of spouse, etc.), you can request an IRMAA reconsideration from Social Security.
Part A costs
| Cost | 2026 amount |
|---|---|
| Hospital deductible per benefit period | $1,736 |
| Days 1–60 | $0 (after deductible) |
| Days 61–90 | $434/day |
| Days 91+ (lifetime reserve) | $868/day |
| SNF days 1–20 | $0 |
| SNF days 21–100 | $217/day |
| Premium (if not premium-free) | $311 or $565/month |
Part D drug costs
| Cost element | 2026 |
|---|---|
| Maximum annual deductible | $615 |
| Out-of-pocket maximum (NEW) | $2,100 |
| Insulin copay (per prescription) | $35/month |
| ACIP-recommended vaccines | $0 |
| Plan premiums | Varies; commonly $0–$80/month in Hawaii |
Medigap (Supplement) 2026 limits
| Plan K out-of-pocket limit | $8,000 |
| Plan L out-of-pocket limit | $4,000 |
| High-Deductible Plan G/F deductible | ~$2,950 |
Cost help for Hawaii residents
If costs are a concern, Hawaii residents may qualify for:
- Medicare Savings Programs (MSP) — pays Part B premium and may pay deductibles/coinsurance for residents under specific income/asset limits
- Extra Help (Low-Income Subsidy) — significantly reduces Part D costs
- Med-QUEST — Hawaii Medicaid for those with limited income and assets; may cover what Medicare doesn't
- D-SNP plans — for dual-eligible beneficiaries, designed to coordinate Medicare and Med-QUEST
Frequently asked questions
The 2026 standard Part B premium is $202.90/month. Higher-income beneficiaries pay more through IRMAA, with brackets starting at $109,000 individual / $218,000 joint.
Yes — Hawaii residents with limited income may qualify for Medicare Savings Programs (which can cover Part B premiums), Extra Help (which reduces Part D costs), or full dual-eligibility with Med-QUEST. Sage PLUS counselors can help identify which programs you qualify for.
The biggest change is the new $2,100 annual out-of-pocket maximum on covered drugs — the first hard cap in Part D's history. Insulin remains at $35/month, and the new Medicare Prescription Payment Plan lets you spread costs into monthly installments.