The Ocean side of Moku Nui.
The Ocean side of Moku Nui.

There will always be naysayers.  People will tell you that you can’t move to Hawaii and live there comfortably in retirement.  I tried to face all of that negativity in the first article in this series head on.  I also left you on a good note about the deep respect that the Hawaiian and Asian cultures in Hawaii have towards the kupuna. (“ancestors” or “grandparents”).

In this article we’ll get into the actual monetary and state benefits for people thinking about making Hawaii the place they’ll live when they retire.  The state of Hawaii does a great job for retirees.

Tax Benefits

Personal Income Tax exemption for seniors of 65 on state tax filing.

Social Security Income, Military Pensions, government pensions and certain private retirement funds are exempt from state income taxes.

No general excise tax for prescription drugs and prosthetics.

No county property tax for cars and boats.

Social Security Benefits, Medicare and Mediaid.

Your social security benefits will not change.  Certain things like how long you worked, how much you earned and where you worked all factor in to social security income that you will receive.

For the most part the Patient Protection and Affordable Care Act did not affect Medicare and Medicaid.  Well, it did…only a bit.

Instead of reinventing the wheel, you can look at this page to see all of the details.  It is in very plain language and easy to understand.

eff moving to hawaii


Medicare Health Plans in Hawaii

Here are the Medicare health plans that are available in Hawaii:

Medicaid Programs Available in Hawaii

In Hawaii, Medicaid enrollees age 65 and older (and anyone with disabilities) get medical insurance coverage under a managed care program called Quest Expanded Access (QExA). There are 2 QExA health plans to choose from:

Those under age 65 without disabilities are covered by a managed care program called Hawaii QUEST (also known simply as QUEST). There are 5 QUEST health plans to choose from:

 Community Health Centers

There are 14 stated and federally funded senior health centers In the state of Hawaii.  They are on all major islands to include Lanai and Molokai.  They have  “zero turn away policy”  they accept all sorts of Medicaid, Medicare, insurance and will even cater to those without coverage at all.  Hawaii leads the way in this respect.  The best in the nation!

Affordable Housing and Section 8

Bad news first:  There is sometimes a multi-year wait for affordable housing in Hawaii.  The good news is that it is present in the state.  There are many housing projects, on all the islands, that are state or federally owned where families and individuals who need assistance can live for below local market prices.

For more information check out the Hawaiian Housing Authority website.

Rental Assistance in Hawaii for Seniors

There is also a rental supplement allowance available for low-income families or individuals who need help.  This program provides cash stipends on monthly basis to assist with the rental costs.  Each family or individual needs to pay at least 30% of their adjusted gross income towards rent.


As you can see there is plenty of help to assist you in retiring in Hawaii.  There is also a great deal of assistance, care and love for seniors in Hawaii.  Don’t be afraid.  You can retire in Hawaii!

Read our previous article on Should Seniors Move to Hawaii?


Source:  How to Live in Hawaii: Senior Citizen Benefits