2022 Affordable Health Insurance Plans in Hawaii

Health insurance plans are sold on the federal health insurance marketplace in Hawaii. Hawaii residents can complete their enrollment through the www.healthcare.gov website. 

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How to Buy Health Insurance in 2022

Most Hawaii residents carry insurance through their employer. If you do not receive health insurance benefits through your employer or from the federal government, you can access the certified partner enrollment sites via healthcare.gov. In 2016, Hawaii switched to the fully federally-run health insurance marketplace exchange, though the state still oversees the plans sold to its residents. 

Insurance is provided at four different levels with varying costs and options. These tiers are referred to as Bronze, Silver, Gold, and Platinum. 

How to Apply for Health Insurance in Hawaii

Enrollment is simple and can be done through the federal marketplace, healthcare.gov

Health Insurance Carriers In Hawaii

Hawaii has four health insurance carriers, AlohaCare, HMSA, Kaiser Permanente, ‘Ohana Health Plan, and UnitedHealthcare Community Plan. (source)

Hawaii Health Insurance Costs Overview

Hawaii offers four tiers of health insurance – Bronze, Silver, Gold, and Platinum. 

How Much Does Health Insurance Cost in Hawaii?

According to the KFF, the average monthly health insurance premium in Hawaii was $484 in 2022. 

What is the Cheapest Health Insurance Plan in Hawaii?

Depending on your health, the cheapest health insurance plan will be the one that covers what you need the most. Contact us to find the best plan for you! 

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Cheapest Hawaii Health Insurance Coverage by Metal Tier

Note that all costs are 2022 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Hawaii in 2022 was $450. 

Silver Plans

The average lowest cost premium of a Silver Plan in Hawaii in 2022 was $468.

Bronze Plans

For a Bronze plan, the average lowest premium in 2022 was $313

Other Types of Hawaii Health Insurance Coverage

Catastrophic Health Insurance in Hawaii

While Hawaii does not offer short-term insurance plans, they do allow the sale of catastrophic health insurance. Catastrophic insurance plans have low monthly premiums but carry high deductibles. They are intended for use during dire circumstances and are an affordable option to protect yourself financially from unexpected serious injury or illness. These plans are generally only available to qualifying individuals under the age of thirty. 

Short Term Health Insurance in Hawaii

Since 2018, short-term health insurance is not available in Hawaii for those who are eligible to purchase a plan in the ACA. 

Low Income Health Insurance in Hawaii

Low-income Hawaii residents can apply for Medicaid.

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Sources: 

Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D 

Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D