ACA plans available
17
Plan year
2026 data Public-data reference. official source
Kalawao, Hawaii Health Insurance
Open-data reference.
17 ACA plans from 2 issuers — Plan year 2026
Kalawao, Hawaii offers 17 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $437/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$478
Avg Silver Premium/mo
$445
Benchmark Premium/mo
+17.3%
Year-over-Year Change
$4,877
Avg Deductible
What the Numbers Say About Kalawao
Kalawao, Hawaii has 17 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $478/mo for a 27-year-old non-tobacco user, with the lowest Silver at $437 and the highest at $570.
The benchmark (second-lowest Silver) premium is $445/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,877 and the average out-of-pocket maximum is $8,194 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Kalawao shifted by +17.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Kalawao, consumers have some competitive choice, though narrower than the most competitive counties. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
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 premium (2nd-lowest Silver plan) in Kalawao 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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
2
Some competition
Benchmark Silver
$445 /mo
Sets your subsidy ceiling
Avg deductible
$4,877
Across all metal tiers
Kalawao ACA plans by premium and deductible
Each marker is the Kalawao average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Kalawao, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Kalawao
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Kaiser Permanente | 10 | $459/mo |
| HMSA | 7 | $469/mo |
All Plans in Kalawao
| 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 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Hawaii
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PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
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PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Kalawao, HI?
There are 17 ACA marketplace plans available in Kalawao from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Kalawao?
Silver plans in Kalawao start at $437/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Kalawao?
The benchmark (second-lowest Silver) premium in Kalawao is $445/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Kalawao?
Average premiums in Kalawao changed by +17.3% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Kalawao?
The average annual deductible across all plans in Kalawao is $4,877, and the average out-of-pocket maximum is $8,194. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Kalawao?
There are 2 insurance issuers offering ACA marketplace plans in Kalawao, 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
