Medicare's annual enrollment window is open now through December 7, and it carries extra urgency this year for a specific group of Hawaii seniors.

• HMSA members on its Complete Plus or Standard Plus plans must actively re-enroll in a plan this year or risk a gap in coverage starting January 1.
• Members on other HMSA plans, including Medicare retiree group plans, don't need to do anything — their coverage renews automatically with benefit updates kicking in January 1.
• HMSA plans bundle dental, vision, and hearing coverage together, so members are encouraged to compare which extra benefits they actually use before picking a plan.
• Enrolling online at HMSA's Medicare site is pitched as the fastest, simplest option, though phone, in-person center visits, and paper applications are all still available.

Outlook: Affected members have until December 7 to lock in a new plan for 2026, with HMSA urging early action to avoid any lapse in coverage.