Company vs company · Honolulu County, HI · 2027 plan year
UnitedHealthcare vs Kaiser Permanente Medicare Advantage plans
Medicare.gov compares Medicare Advantage plans with each other. This page also shows Original Medicare, so you can see the full trade-off: premiums, copays, the yearly limit, extra benefits, and the rules about doctors and approvals.
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In most states, including Hawaii, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Hawaii can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYour yearly cost, side by side
Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.
Want to check your exact drugs? Medicare.gov lets you enter each drug and shows what each plan charges for it. Enter your drugs on Medicare.gov
We have no Medigap Plan G price for a 65-year-old woman in Honolulu County. Enter the monthly price from your quote, or check Medigap prices for ZIP 96786 on Medicare.gov.
Original Medicare
We have no Medigap Plan G price for a 65-year-old woman here, so we cannot show this total yet. Enter your quote above to see it. Check Medigap prices on Medicare.gov
AARP Medicare Advantage from UHC HI-5 (PPO)
PPO from UnitedHealthcare
$5,094 a year
- Premiums
- $2,762
- Medical costs
- $2,331
- Drugs
- $0
Most you can pay in a bad year, before drugs: $9,912.
Kaiser Permanente Senior Advantage Basic (HMO)
HMO from Kaiser Permanente
$5,332 a year
- Premiums
- $3,246
- Medical costs
- $1,570
- Drugs
- $516
Most you can pay in a bad year, before drugs: $11,996.
With these settings, AARP Medicare Advantage from UHC HI-5 (PPO) costs about $238 less a year than Kaiser Permanente Senior Advantage Basic (HMO).
These are estimates, not quotes. Check every number with Medicare (Medicare.gov or 1-800-MEDICARE) and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Drug costs use typical prices for generic and brand-name drugs. Original Medicare amounts are 2027 projections from the 2026 Medicare Trustees Report. CMS sets the final amounts in November.
Text us about this comparisonWhat you pay each time you get care
In-network costs for one visit or one stay. The Original Medicare amounts follow your Medigap choice above: Plan G.
Primary doctor visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$0
AARP Medicare Advantage from UHC HI-5 (PPO)
$0
Kaiser Permanente Senior Advantage Basic (HMO)
$15
Kaiser Permanente Senior Advantage Enhanced (HMO)
$5
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$0-$75
Prior authorizationAARP Medicare Advantage from UHC HI-5 (PPO)
$0-$50
Prior authorizationKaiser Permanente Senior Advantage Basic (HMO)
$50
Kaiser Permanente Senior Advantage Enhanced (HMO)
$35
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
AARP Medicare Advantage from UHC HI-0001 (PPO)
$0
Prior authorizationAARP Medicare Advantage from UHC HI-5 (PPO)
$0
Prior authorizationKaiser Permanente Senior Advantage Basic (HMO)
$15
Kaiser Permanente Senior Advantage Enhanced (HMO)
$0
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$0-$320
Prior authorizationAARP Medicare Advantage from UHC HI-5 (PPO)
$0-$320
Prior authorizationKaiser Permanente Senior Advantage Basic (HMO)
$30-$355
Kaiser Permanente Senior Advantage Enhanced (HMO)
$10-$265
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$130
AARP Medicare Advantage from UHC HI-5 (PPO)
$130
Kaiser Permanente Senior Advantage Basic (HMO)
$115
Kaiser Permanente Senior Advantage Enhanced (HMO)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$0-$50
AARP Medicare Advantage from UHC HI-5 (PPO)
$0-$50
Kaiser Permanente Senior Advantage Basic (HMO)
$40
Kaiser Permanente Senior Advantage Enhanced (HMO)
$50
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$0-$600
Prior authorizationAARP Medicare Advantage from UHC HI-5 (PPO)
$0-$500
Prior authorizationKaiser Permanente Senior Advantage Basic (HMO)
$400
Kaiser Permanente Senior Advantage Enhanced (HMO)
$315
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$350
Prior authorizationAARP Medicare Advantage from UHC HI-5 (PPO)
$350
Prior authorizationKaiser Permanente Senior Advantage Basic (HMO)
$370
Kaiser Permanente Senior Advantage Enhanced (HMO)
$250
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
AARP Medicare Advantage from UHC HI-0001 (PPO)
$2,600
for a 5-day stay
Prior authorizationAARP Medicare Advantage from UHC HI-5 (PPO)
$2,750
for a 5-day stay
Prior authorizationKaiser Permanente Senior Advantage Basic (HMO)
$2,000
for a 5-day stay
Prior authorizationKaiser Permanente Senior Advantage Enhanced (HMO)
$1,825
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | AARP Medicare Advantage from UHC HI-0001 (PPO) | AARP Medicare Advantage from UHC HI-5 (PPO) | Kaiser Permanente Senior Advantage Basic (HMO) | Kaiser Permanente Senior Advantage Enhanced (HMO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $10.30 | $0 + Part B $209.50 | $20.70 + Part B $209.50 | $61 + Part B $209.50 | $178 + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $7,150 in network; $10,750 in and out of network | $7,150 in network; $10,750 in and out of network | $8,750 in network | $6,100 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $1,000 | $1,000 | $0 | $0 |
| Primary doctor visit | $0, after the $292 yearly Part B deductible | $0 copay | $0 copay | $15 copay | $5 copay |
| Specialist visit | $0, after the $292 yearly Part B deductible | $0-$75 copayPrior authorization | $0-$50 copayPrior authorization | $50 copay | $35 copay |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $15 copay | $0 copay |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$320 copayPrior authorization | $0-$320 copayPrior authorization | $30-$355 copay | $10-$265 copay |
| X-rays | $0, after the $292 yearly Part B deductible | $30 copayPrior authorization | $30 copayPrior authorization | $30 copay | $10 copay |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay | $130 copay | $115 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $0-$50 copay | $0-$50 copay | $40 copay | $50 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$650 copayPrior authorization | $0-$550 copayPrior authorization | $0-$400 copay | $0-$315 copay |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$600 copayPrior authorization | $0-$500 copayPrior authorization | $400 copay | $315 copay |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $350 copayPrior authorization | $350 copayPrior authorization | $370 copay | $250 copay |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $650 per day for days 1-4; $0 per day for days 5-90Prior authorization | $550 per day for days 1-5; $0 per day for days 6-90Prior authorization | $400 per day for days 1-6; $70 per day for days 7-30; $0 per day for days 31-90Prior authorization | $365 per day for days 1-6; $50 per day for days 7-30; $0 per day for days 31-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-40; $0 per day for days 41-100 | $0 per day for days 1-20; $221 per day for days 21-40; $0 per day for days 41-100 |
| Mental health visit | $0, after the $292 yearly Part B deductible | $0-$25 copayPrior authorization | $0-$25 copayPrior authorization | $50 copay | $35 copay |
| Physical therapy | $0, after the $292 yearly Part B deductible | $75 copayPrior authorization | $50 copayPrior authorization | $15 copay | $5 copay |
| Home health care | $0, Medicare-covered home health | $0 copayPrior authorization | $0 copayPrior authorization | $0 copay | $0 copay |
| Medical equipment | $0, after the $292 yearly Part B deductible | 30% coinsurancePrior authorization | 30% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | $7-$43 copay, 0%-20% coinsurance | $7-$43 copay, 0%-20% coinsurance |
| Drug deductible (Part D) | $700 with AARP Medicare Rx Saver from UHC (PDP) | $685 | $700 | $0 | $0 |
| Drug tiers (one month, retail) | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 19% coinsuranceNon-Preferred Drug: 33% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $9 copayPreferred Brand: 19% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 26% coinsurance | No drug coverage | Preferred Generic: $0 copayGeneric: $7 copayPreferred Brand: $43 copayNon-Preferred Drug: $90 copaySpecialty Tier: 32% coinsuranceVaccines: $0 copay | Preferred Generic: $0 copayGeneric: $7 copayPreferred Brand: $43 copayNon-Preferred Drug: $90 copaySpecialty Tier: 32% coinsuranceVaccines: $0 copay |
Not sure which of these costs apply to you?
Text us what you have now. We will help you read this comparison and check it with Medicare.gov.
A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In Hawaii, 8 drug plans are for sale for 2027, from $10.30 to $201.10 a month. Half of them cost $32.20 a month or less.
- Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
- The premium is one part of your yearly cost. The calculator above adds premiums, medical costs, and drug costs, so you can see the whole year.
- A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules, and you may not be able to get Medigap later.
- If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov
The two companies in Honolulu County
UnitedHealthcare
- 4 plans for 2027 (not counting special needs plans)
- 2 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $5,900 to $7,150
- Star ratings 4 to 4
- AARP Medicare Advantage from UHC HI-0001 (PPO) · $0 a month · limit $7,150
- AARP Medicare Advantage from UHC HI-5 (PPO) · $20.70 a month · limit $7,150
- AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) · $0 a month · limit $7,150
- AARP Medicare Advantage from UHC HI-0002 (PPO) · $69 a month · limit $5,900
Kaiser Permanente
- 2 plans for 2027 (not counting special needs plans)
- 0 with a $0 premium; 0 pay back part of your Part B premium
- Yearly limits from $6,100 to $8,750
- Star ratings 4.5 to 4.5
- Kaiser Permanente Senior Advantage Basic (HMO) · $61 a month · limit $8,750
- Kaiser Permanente Senior Advantage Enhanced (HMO) · $178 a month · limit $6,100
Doctors, referrals, and prior authorization
Cost is one side. The other side is how you get care. These rules come from the CMS plan files. Prior authorization means the plan must approve a service before you get it.
Original Medicare
- Any doctor or hospital in the U.S. that takes Medicare
- No referrals
- Prior authorization only for a short list of services
AARP Medicare Advantage from UHC HI-0001 (PPO)
PPO
- The plan has a network. You can go outside it, but you pay more.
- No referral needed to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
AARP Medicare Advantage from UHC HI-5 (PPO)
PPO
- The plan has a network. You can go outside it, but you pay more.
- No referral needed to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Kaiser Permanente Senior Advantage Basic (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 4 services
Medical equipment, Prosthetics, Diabetic supplies, Hospital stay
Kaiser Permanente Senior Advantage Enhanced (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 4 services
Medical equipment, Prosthetics, Diabetic supplies, Hospital stay
Extra benefits
| Extra benefit | Original Medicare | AARP Medicare Advantage from UHC HI-0001 (PPO) | AARP Medicare Advantage from UHC HI-5 (PPO) | Kaiser Permanente Senior Advantage Basic (HMO) | Kaiser Permanente Senior Advantage Enhanced (HMO) |
|---|---|---|---|---|---|
| Dental | No | Preventive only | Comprehensive, up to $3,500 a year | Comprehensive | Comprehensive |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | No | Yes, $250 allowance | No | No |
| Hearing aids | No | Yes, up to $700 | Yes, up to $700 | No | No |
| Over-the-counter allowance | No | No | $100 a year | No | No |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | No | Yes | Yes | Yes |
| Meals after a hospital stay | No | No | No | No | No |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | No | No | Yes | Yes |
| Part B premium giveback | No | No | No | No | No |
What changed for 2027
AARP Medicare Advantage from UHC HI-0001 (PPO)
Renewal Plan · 2026 plan H2406-040-0
- In-network out-of-pocket maximum up from $6,700 to $7,150
- Medical deductible up from $0 to $1,000
- Drug deductible up from $495 to $685
- Specialist visit: $0-$60 copay to $0-$75 copay
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
- Outpatient hospital: $0-$550 copay to $0-$650 copay
- Ground ambulance: $275 copay to $350 copay
- Inpatient hospital: $550 per day for days 1-4; $0 per day for days 5-90 to $650 per day for days 1-4; $0 per day for days 5-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Eyewear removed
- Meals after a hospital stay removed
- Worldwide emergency coverage removed
AARP Medicare Advantage from UHC HI-5 (PPO)
Renewal Plan · 2026 plan H2406-131-0
- Monthly premium down from $46 to $21
- In-network out-of-pocket maximum up from $6,700 to $7,150
- Medical deductible up from $0 to $1,000
- Drug deductible up from $615 to $700
- Diagnostic radiology (MRI, CT): $0-$310 copay to $0-$320 copay
- Outpatient hospital: $0-$450 copay to $0-$550 copay
- Ground ambulance: $315 copay to $350 copay
- Inpatient hospital: $450 per day for days 1-5; $0 per day for days 6-90 to $550 per day for days 1-5; $0 per day for days 6-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Dental maximum down from $4,000 to $3,500
- Yearly OTC allowance down from $140 to $100
- Eyewear allowance up from $150 to $250
- Meals after a hospital stay removed
- Worldwide emergency coverage removed
Kaiser Permanente Senior Advantage Basic (HMO)
Renewal Plan · 2026 plan H1230-003-0
- Monthly premium up from $42 to $61
- In-network out-of-pocket maximum up from $7,750 to $8,750
- Diagnostic radiology (MRI, CT): $25-$325 copay to $30-$355 copay
- Outpatient hospital: $0-$375 copay to $0-$400 copay
- Ground ambulance: $320 copay to $370 copay
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-40; $0 per day for days 41-100 to $0 per day for days 1-20; $221 per day for days 21-40; $0 per day for days 41-100
- Rides to care added
Kaiser Permanente Senior Advantage Enhanced (HMO)
Renewal Plan · 2026 plan H1230-001-0
- Monthly premium up from $160 to $178
- In-network out-of-pocket maximum up from $5,100 to $6,100
- Urgent care: $40 copay to $50 copay
- Inpatient hospital: $315 per day for days 1-6; $50 per day for days 7-30; $0 per day for days 31-90 to $365 per day for days 1-6; $50 per day for days 7-30; $0 per day for days 31-90
- Skilled nursing facility: $0 per day for days 1-20; $175 per day for days 21-40; $0 per day for days 41-100 to $0 per day for days 1-20; $221 per day for days 21-40; $0 per day for days 41-100
- Rides to care added
More 2027 plans in Honolulu County
- HMSA Akamai Advantage Complete (PPO), H3832-009
- Humana Total Complete (HMO), H0028-082
- HumanaChoice H5216-313 (PPO)
- Humana Value Choice (PPO), H5216-465
- DEVOTED CHOICE 004 HI (PPO), H2686-004
- DEVOTED CHOICE GIVEBACK 005 HI (PPO), H2686-005
- HumanaChoice H5216-464 (PPO)
- DEVOTED CORE 004 HI (HMO), H5397-004
County guide: 2027 plans in Honolulu CountyState guide: Hawaii
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. We checked a sample of plans field by field against Medicare.gov. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Honolulu County, HI. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 96786 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- AARP Medicare Advantage from UHC HI-0001 (PPO) on Medicare.gov · plan website · drug list · doctor directory
- AARP Medicare Advantage from UHC HI-5 (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Kaiser Permanente Senior Advantage Basic (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Kaiser Permanente Senior Advantage Enhanced (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 96786 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.