Find Affordable Coverage in Hawaii
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Hawaii ACA Marketplace Overview
In 2026, approximately 45,000 Hawaii residents are enrolled in ACA Marketplace coverage. Hawaii uses its own state-run exchange for health insurance enrollment.
Hawaii has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Hawaii?
The benchmark Silver plan (second-lowest-cost Silver plan) in Hawaii costs approximately $388/month before subsidies in 2026. However, most Hawaii residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Hawaii households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Hawaii household income.
Top ACA Health Insurance Companies in Hawaii
The following carriers offer ACA Marketplace plans in Hawaii for 2026:
- HMSA
- Kaiser Permanente
Plan availability varies by county in Hawaii. Use Hawaii Health Connector to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Hawaii
- Bronze: Lowest premiums, highest deductibles. Best for healthy Hawaii residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Hawaii households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Hawaii residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Hawaii counties.
When to Enroll in Hawaii
- Open Enrollment: November 1 – January 15 on Hawaii Health Connector
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Hawaii Insurance Resources
- Hawaii Health Connector — Official Hawaii enrollment portal
- Hawaii Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit