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 Hawaii
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
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
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 $468 in 2024.
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
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2024 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Hawaii in 2024 was $480.
Silver Plans
The average lowest cost premium of a Silver Plan in Hawaii in 2024 was $457.
Bronze Plans
For a Bronze plan, the average lowest premium in 2024 was $360.
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 08/16/2024, 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, 2018-2024, KFF, accessed 08/16/2024, 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