Medicare Savings Program in Hawaii — 2026 Guide
Hawaii residents with limited income may qualify for QMB, SLMB, or QI — programs that pay your Medicare premiums and, in some cases, all cost-sharing. Check your eligibility in 90 seconds, free.
2026 Income Limits for Hawaii
Monthly gross income limits after the $20 general income disregard.
Individual
$1,553/mo
Married couple
$2,098/mo
Covers Part A & B premiums, all deductibles, coinsurance, and copays. Automatically qualifies you for Extra Help on prescriptions.
Individual
$1,858/mo
Married couple
$2,512/mo
Covers your Medicare Part B premium ($202.90/month in 2026).
Individual
$2,093/mo
Married couple
$2,831/mo
Covers the Part B premium. Slots are limited and reset each January — apply early.
Asset Test
Hawaii applies an asset test. The 2026 limits are $9,950 for individuals and $14,910 for married couples.
Excluded: your primary home, one vehicle, household goods, and personal belongings.
Hawaii uses a 15% higher FPL adjustment. Asset limits apply.
How to Apply in Hawaii
MSP is administered by Hawaii's Medicaid office (Med-QUEST). You can apply online or by phone. Most applications are processed within 45 days, and benefits are often retroactive to the month you applied.
Frequently Asked Questions — Hawaii
What is the QMB income limit in Hawaii for 2026?
In 2026, the QMB income limit in Hawaii is $1,553/month for individuals and $2,098/month for married couples. These figures are after the $20 general income disregard applied to unearned income first.
Does Hawaii have an asset test for the Medicare Savings Program?
Yes. Hawaii has an asset test. The 2026 limits are $9,950 for individuals and $14,910 for married couples. Your home, one car, and personal belongings are excluded.
How do I apply for the Medicare Savings Program in Hawaii?
Apply through Hawaii's Medicaid office online at https://medquest.hawaii.gov/ or by calling 1-800-316-8005. Most states process applications within 45 days, and benefits are often retroactive to the month you applied.
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