Hawaii ACA Health Insurance
5 counties, 2 issuers, 17 plans
Premium Range
Premiums in Hawaii range from $243/mo to $596/mo (age 27 base rate).
Reading the Hawaii Marketplace
The ACA marketplace in Hawaii lists 17 plans from 2 issuers spread across 5 counties. The statewide average premium is $463/mo for a 27-year-old, $565/mo at age 40, and $1,200/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $243 at the low end to $596 at the high end, before subsidies.
Geography drives most of the within-state variation: Hawaii posts the highest Silver average at $478/mo, while Hawaii sits at $478/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $4,877, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Hawaii (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Hawaii ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Hawaii | $478/mo | 17 | 2 |
| 2 | Honolulu | $478/mo | 17 | 2 |
| 3 | Kalawao | $478/mo | 17 | 2 |
| 4 | Kauai | $478/mo | 17 | 2 |
| 5 | Maui | $478/mo | 17 | 2 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Hawaii | $478/mo | 17 | 2 |
| 2 | Honolulu | $478/mo | 17 | 2 |
| 3 | Kalawao | $478/mo | 17 | 2 |
| 4 | Kauai | $478/mo | 17 | 2 |
| 5 | Maui | $478/mo | 17 | 2 |
All Counties in Hawaii
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Hawaii | $478 | N/A | $491 | 17 | 2 | +17.3% |
| Honolulu | $478 | N/A | $491 | 17 | 2 | +17.3% |
| Kalawao | $478 | N/A | $491 | 17 | 2 | +17.3% |
| Kauai | $478 | N/A | $491 | 17 | 2 | +17.3% |
| Maui | $478 | N/A | $491 | 17 | 2 | +17.3% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Hawaii
The Affordable Care Act marketplace in Hawaii offers 17 health insurance plans from 2 issuers across 5 counties. Premiums vary significantly by geography: the most expensive county (Hawaii) averages $478/mo for a Silver plan, while the most affordable (Hawaii) averages $478/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $4,877, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
How much does health insurance cost in Hawaii? ▼
What is the cheapest health insurance plan in Hawaii? ▼
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What is the average deductible for health plans in Hawaii? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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