Health insurance plans in Hawaii
Hawaii uses the federal Marketplace, with 13 plans across the Bronze, Silver and Gold tiers from up to 2 insurers. Which tier suits you depends far more on how much care you expect to use than on the premium alone.
Only two insurers sell Gold plans in Hawaii.
All 5 Gold plans on the Hawaii Marketplace come from Kaiser Permanente and HMSA. With the whole tier split between two carriers, the network question comes first: confirm which of the two covers your providers, then compare plan designs inside that one.
The three tiers in Hawaii, compared
Catastrophic and other coverage
Some states also offer Catastrophic plans, which carry very low premiums and very high deductibles and are limited to people under 30 or those with a hardship exemption. They are a small share of the market and are not broken out into their own page here — you can find any available in Hawaii on the full Hawaii plan list. Platinum plans are rare on the federal Marketplace and are absent from most states.
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