Hawaii residents pay as little as $619 monthly through Kaiser Permanente for the state's most affordable health insurance, saving $8 below the state average each month while gaining access to the provider's comprehensive network of doctors and medical facilities across the islands. HMSA comes close behind at $633 monthly, saving residents $6 compared to statewide costs.
Cheapest Health Insurance in Hawaii (2026)
Updated: January 23, 2026
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Key Takeaways
Kaiser Permanente offers the cheapest health insurance in Hawaii with monthly premiums averaging $619 across all plan types and age groups.
Kaiser Permanente provides the most affordable coverage in Hawaii for teens, young adults, adults, seniors and HMO plans, while HMSA has the best PPO rates in the state.
Find affordable health insurance by choosing a coverage level that fits your budget, confirming subsidy eligibility and getting quotes from at least three insurers.
Most Affordable Health Insurance Companies in Hawaii
| Kaiser Permanente | $619 | $8 | $7,428 | $96 |
| Hmsa | $633 | $6 | $7,596 | $72 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Hawaii. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average. Your actual rates will vary based on age, location and chosen plan.
Kaiser Permanente
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$619Average MOOP
$5,707Average Deductible
$2,228
Cheapest Hawaii Health Insurance Providers by Profile
What you'll pay depends on three factors: how old you are, which plan type you pick and what metal level fits your budget. Monthly premiums tell only part of the cost story. Factor in deductibles and maximum out-of-pocket limits before choosing the best health insurance in Hawaii, comparing how these numbers add up across a full year of coverage when you account for your typical doctor visits and prescription needs.
| Children | Kaiser Permanente | $326 | $3,916 | $5,656 | $3,100 |
| Teens | Kaiser Permanente | $389 | $4,673 | $5,656 | $3,100 |
| Young Adults | Kaiser Permanente | $437 | $5,242 | $5,656 | $3,100 |
| Adults | Kaiser Permanente | $545 | $6,542 | $5,656 | $3,100 |
| HMO | Kaiser Permanente | $545 | $6,542 | $5,656 | $3,100 |
| PPO | Hmsa | $695 | $8,341 | $5,657 | $3,100 |
| Seniors | Kaiser Permanente | $1,158 | $13,892 | $5,656 | $3,100 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Cheapest Hawaii Health Insurance by Metal Level
Your metal tier selection controls how monthly premiums trade off against what you'll spend using health care services. Bronze tiers charge less monthly but shift bigger costs onto you when seeing doctors or filling prescriptions. Platinum tiers reverse this, charging more upfront but protecting your wallet better when medical needs arise.
Kaiser Permanente offers Hawaii's cheapest Silver, Gold and Platinum plans at $545 to $694 monthly, with Platinum eliminating deductibles and capping out-of-pocket costs at $3,450 annually.
| Catastrophic | Hmsa | $297 | $3,562 | $10,600 | $10,600 |
| Expanded Bronze | Kaiser Permanente | $431 | $5,172 | $7,275 | $5,063 |
| Silver | Kaiser Permanente | $545 | $6,542 | $5,656 | $3,100 |
| Gold | Kaiser Permanente | $571 | $6,851 | $6,450 | $750 |
| Platinum | Kaiser Permanente | $694 | $8,324 | $3,450 | $0 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Compare Cheap Hawaii Health Insurance Plans
Check the following table to discover the most affordable health insurance options in Hawaii that match your needs:
Data filtered by:
HMO
Silver
40
No
| Kaiser Permanente | Kp Hi Standard Silver 6000/40 | $533 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Kaiser Permanente | Kp Hi Silver 4000 Ded/600 Rx Ded | $543 | HMO | Silver | $5,657 | No Data | 40 | No |
| Kaiser Permanente | Kp Hi Silver 3000 Ded/600 Rx Ded Plus Cam | $559 | HMO | Silver | $5,653 | No Data | 40 | No |
How to Find the Cheapest Health Insurance in Hawaii
The following strategies help you identify affordable plans that won't exceed your budget:
- 1Choose a plan type within your budget
Your ideal coverage depends on your health status and financial situation. Start by calculating what you can afford monthly for premiums, then assess your health needs and injury risk based on age, lifestyle and location. The right type of plan balances protection with affordability for your circumstances.
- 2Check if you qualify for subsidies
Subsidy eligibility for 2026 health insurance depends on your household size and income. Financial assistance is available for incomes ranging from 100% to 400% of the Federal Poverty Level. Families with lower incomes receive higher subsidies, while assistance decreases as earnings increase.
- 3Explore Medicare options if you qualify
Hawaii residents 65 and older should investigate Medicare and Medicaid options, including Medicare Advantage plans and Medicare Supplement plans. These federal programs often cost less than marketplace plans while offering greater provider flexibility.
- 4Verify prescription coverage
Check each plan's formulary for medications you take regularly. Insurance companies often place popular drugs on different cost tiers, creating copay differences between insurers that can add up to hundreds in annual savings.
- 5Shop during Open Enrollment period
Hawaii's Open Enrollment period runs November 1 through January 15 each year. You might qualify for Special Enrollment after major life changes like job loss, divorce or having a baby.
- 6Review plan networks and benefits
Confirm your preferred doctors and hospitals accept your chosen plan before enrolling. Check if specialist visits require referrals and review annual deductibles, copays and out-of-pocket maximums.
Cheapest Health Insurance in Hawaii: Bottom Line
Kaiser Permanente leads Hawaii for affordable marketplace insurance, with HMSA running a close second. Request quotes from both companies at different metal levels and plan structures, then calculate your total yearly costs by adding monthly premiums to expected deductibles and copays based on how often you'll visit doctors, need prescriptions or anticipate medical procedures in the coming coverage period.
Cheap Hawaii Health Insurance: FAQ
Below are answers to frequently asked questions about affordable health insurance in Hawaii:
What is the cheapest health insurance in Hawaii?
Kaiser Permanente offers the most affordable health insurance in Hawaii, with Silver plans averaging $619 monthly for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans come with high deductibles reaching $8,000 annually and out-of-pocket maximums up to $18,000. These budget options restrict your doctor choices and exclude essential services like mental health care.
Do I qualify for subsidies on health insurance in Hawaii?
You qualify for premium tax credits through the Hawaii Health Connector if you earn 100% to 400% of the Federal Poverty Level, with enhanced subsidies extending to 600% FPL. Apply directly through the Hawaii Health Connector or contact their enrollment assistance line.
When can I enroll in health insurance in Hawaii?
In Hawaii, you can enroll in health insurance during Open Enrollment from November 1 to January 15 for coverage starting the following year. You can enroll outside of this period if you experience a qualifying life event, such as job loss, marriage or having a baby, which triggers a Special Enrollment Period.
How We Decided the Cheapest Health Insurance Companies in Hawaii
We gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison. Age-specific rankings use their respective premium costs, but note that lower premiums often come with higher deductibles and out-of-pocket maximums when you need care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.