ACA plans available
17
Plan year 2026
CMS Marketplace county · plan year 2026
Honolulu, Hawaii ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $478
- Silver avg/mo
- 17
- ACA plans
- 2
- Issuers
- +11.4%
- YoY premium
Silver avg $478/mo
Honolulu, Hawaii has 17 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $478/mo; Bronze averages $383/mo and Gold $491/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1923 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $445/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Honolulu, Hawaii ranks #1,923 of 2,055 counties by listed Silver average ($478/mo) and #1,944 of 2,055 by plan count (17 plans).
- #1,923 of 2,055
- Silver average among 2,055 counties
- $478
- Listed Silver average /mo
- #1,944 of 2,055
- Plan count among 2,055 counties
- 17
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Honolulu, Hawaii offers 17 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $339/mo and Silver plans start at $437/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$478
Avg Silver Premium/mo
$445
Benchmark Premium/mo
+11.4%
Year-over-Year Change
$4,877
Avg Deductible
Lower-premium band
Honolulu in the lower-premium third
$478/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1923 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $437–$570/mo. Plan book is thin (17 plans) relative to other tracked counties. HMO is the most common network type in Honolulu, with PPO rounding out the alternatives.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
4 plans$383/mo avg
$339 - $419
Silver
4 plans$478/mo avg
$437 - $570
Gold
5 plans$491/mo avg
$445 - $540
Platinum
3 plans$578/mo avg
$567 - $596
Catastrophic plan available: avg $243/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Honolulu is $445/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
2
Some competition
Benchmark Silver
$445 /mo
Sets your subsidy ceiling
Avg deductible
$4,877
Across all metal tiers
C-
Marketplace Access Score
54/100
Honolulu
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A+
$445/mo
Benchmark Silver premium; rank #1923 of 2055 tracked counties (cheapest first)
Plan Choice F
17 plans
ACA marketplace plan count; rank #1944 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1779 of 2055 tracked counties (most first)
Cost Predictability B-
$4,877
Average deductible across tracked plans; rank #1406 of 2055 tracked counties (lowest first)
Honolulu ACA plans by premium and deductible
Each marker is the Honolulu average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Honolulu ACA marketplace plans: premium vs deductible
How Honolulu's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Honolulu vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$478 1923rd of 2055 higher than 129 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Honolulu
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Kaiser Permanente | 10 | $459/mo |
| HMSA | 7 | $469/mo |
All Plans in Honolulu
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| HMSA Catastrophic Plan HMSA | Catastrophic | PPO | $243.44 | $296.87 | $10,600 | $10,600 |
| KP HI Standard Bronze 7500/50 Kaiser Permanente | Expanded Bronze | HMO | $339.43 | $413.92 | $7,500 | $10,000 |
| KP HI Bronze 6000/65 Plus CAM Kaiser Permanente | Expanded Bronze | HMO | $367.42 | $448.05 | $6,000 | $9,400 |
| HMSA Bronze PPO I HMSA | Expanded Bronze | PPO | $406.80 | $496.08 | $7,500 | $10,000 |
| HMSA Bronze PPO II HSA HMSA | Expanded Bronze | PPO | $419.34 | $511.37 | $7,100 | $7,100 |
| KP HI Standard Silver 6000/40 Kaiser Permanente | Silver | HMO | $437.04 | $532.95 | $6,000 | $8,900 |
| KP HI Silver 4000 Ded/600 Rx Ded Kaiser Permanente | Silver | HMO | $445.33 | $543.06 | $4,000 | $8,900 |
| KP HI Silver 3000 Ded/600 Rx Ded Plus CAM Kaiser Permanente | Silver | HMO | $458.73 | $559.41 | $3,000 | $8,900 |
| HMSA Silver PPO HMSA | Silver | PPO | $570.01 | $695.10 | $6,000 | $8,900 |
| KP HI Standard Gold 2000/30 Kaiser Permanente | Gold | HMO | $444.56 | $542.13 | $2,000 | $8,200 |
| KP HI Gold 1000 Ded/250 Rx Ded Kaiser Permanente | Gold | HMO | $465.66 | $567.85 | $1,000 | $8,700 |
| KP HI Gold 0/40 Plus CAM Kaiser Permanente | Gold | HMO | $494.23 | $602.69 | $0 | $8,900 |
| HMSA Gold PPO II HMSA | Gold | PPO | $508.95 | $620.65 | $2,000 | $8,200 |
| HMSA Gold PPO I HMSA | Gold | PPO | $540.16 | $658.71 | $700 | $8,200 |
| KP HI Standard Platinum 0/10 Kaiser Permanente | Platinum | HMO | $566.52 | $690.85 | $0 | $5,200 |
| KP HI Platinum 0/5 Plus CAM Kaiser Permanente | Platinum | HMO | $571.15 | $696.50 | $0 | $4,000 |
| HMSA Platinum PPO HMSA | Platinum | PPO | $595.60 | $726.31 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $399/mo | $384 | $410 | 4 | 2 |
| 2023 | $387/mo | $353 | $403 | 5 | 2 |
| 2024 | $402/mo | $375 | $452 | 4 | 2 |
| 2025 | $429/mo | $399 | $500 | 4 | 2 |
| 2026 | $478/mo | $437 | $570 | 4 | 2 |
What this means for Honolulu
Use Honolulu's own numbers here, not a national average, before you enroll.
- $478/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 17 plans from 2 issuers puts Honolulu in the thinnest third of tracked counties -- check the rest of Hawaii for more options. All of Hawaii
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Honolulu's Silver premium in the lower band?
Honolulu ranks #1923 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $478/mo. See /methodology#corpus-placement.
Why does Honolulu carry a thin ACA plan book?
Honolulu lists 17 marketplace plans from 2 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Honolulu?
The lowest-premium plan in Honolulu starts at $339/mo (Bronze tier, age 27). Silver plans start at $437/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Honolulu?
The benchmark (second-lowest Silver) premium in Honolulu is $445/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Honolulu premiums rise +11.4% year-over-year?
The average age-27 premium in Honolulu changed by +11.4% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Honolulu?
Only 2 issuers sell marketplace plans in Honolulu (Kaiser Permanente and HMSA). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Honolulu?
There are 2 insurance issuers offering ACA marketplace plans in Honolulu, including Kaiser Permanente, HMSA. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Honolulu, HI's $445/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.