Health Insurance Plans in Hawaii
Browse ACA Marketplace plans available to Hawaii residents on the federal exchange. 16 plans available for 2026. Starting from $368/month.
Lowest Monthly Premium
$368/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$415/mo
4 plans available
Avg Silver (Benchmark)
$517/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Honolulu, HI
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$415/mo avg
from $368 – $454
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$517/mo avg
from $473 – $617
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$531/mo avg
from $481 – $585
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$626/mo avg
from $614 – $645
Lowest-Premium Plans Available
Sample plans near Honolulu — enter your ZIP for exact results
KP HI Standard Bronze 7500/50
Kaiser Permanente
$368/mo
Ded: $7,500
KP HI Bronze 6000/65 Plus CAM
Kaiser Permanente
$398/mo
Ded: $6,000
HMSA Bronze PPO I
HMSA
$441/mo
Ded: $7,500
HMSA Bronze PPO II HSA
HMSA
$454/mo
Ded: $7,100
KP HI Standard Silver 3000/40 CSR73
Kaiser Permanente
$473/mo
Ded: $3,000
KP HI Standard Gold 2000/30
Kaiser Permanente
$481/mo
Ded: $2,000
KP HI Silver 2000 Ded/300 Rx Ded CSR73
Kaiser Permanente
$482/mo
Ded: $2,000
KP HI Silver 2850 Ded/600 Rx Ded CSR73 Plus CAM
Kaiser Permanente
$497/mo
Ded: $2,850
KP HI Gold 1000 Ded/250 Rx Ded
Kaiser Permanente
$504/mo
Ded: $1,000
KP HI Gold 0/40 Plus CAM
Kaiser Permanente
$535/mo
Ded: $0
Prices shown are for a 30-year-old near Honolulu without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Hawaii?
Approximately 16 ACA Marketplace plans are available in Hawaii for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Hawaii?
For a 30-year-old without subsidies, the cheapest plan near Honolulu starts at about $368/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Hawaii use HealthCare.gov?
Yes — Hawaii is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Hawaii averages $517/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Hawaii
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.