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Yes. If you're eligible for Medicare, EUTF requires you to enroll in both Part A and Part B. Your EUTF plan then becomes secondary to Medicare. Failing to enroll in Part B can result in loss of your EUTF medical coverage.

Medigap (Medicare Supplement) works alongside Original Medicare -- you keep Parts A and B and the Medigap policy fills in the gaps like copays and deductibles. Medicare Advantage (Part C) replaces Original Medicare with a private plan that bundles everything. In Hawaii, both options are available, and the best choice depends on your healthcare needs and budget.

The Annual Enrollment Period (AEP) runs from October 15 through December 7 each year. During this window you can switch Medicare Advantage plans, join or leave a plan, or change your Part D drug coverage. Changes take effect January 1. There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31 where you can switch MA plans or drop MA and return to Original Medicare.

As a state retiree, you're eligible for EUTF retiree health benefits. When you turn 65, you must enroll in Medicare Parts A and B. Your EUTF plan becomes secondary coverage, working alongside Medicare to cover most of your remaining costs. Contact EUTF at (808) 586-7390 or visit eutf.hawaii.gov to coordinate your transition.

The standard Part B premium for 2026 is $202.90/month (higher if your income exceeds $109,000 single or $218,000 married, per the 2026 IRMAA brackets). Part A is premium-free if you or your spouse paid Medicare taxes for 10+ years. Part D drug plan premiums vary by plan -- in Hawaii, they range from $0 to over $100/month depending on coverage. Medicare Advantage plans are available from $0/month premium in most Hawaii counties.