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Hawaii · 2026 plan year

Bronze health insurance plans in Hawaii (2026)

There are 4 Bronze plans on the Hawaii Marketplace from 2 insurers, and they are not interchangeable — premiums run from $324 to $400 a month for the same metal tier. Here is what separates them.

4
Bronze plans
2
Insurers
Statewide
Counties covered
$324
Cheapest premium
$7,300
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Only two insurers sell Bronze plans in Hawaii.

All 4 Bronze plans on the Hawaii Marketplace come from HMSA and Kaiser Permanente. 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.

Hawaii has one of the smallest Bronze markets in the country.

There are just 4 Bronze plans here from 2 insurers, against an average of about 45 per state. Fewer options makes the comparison quicker, but it also means a single plan's network or drug list can decide the whole decision.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in Hawaii in 2026

Across all 4 Bronze plans in Hawaii, monthly premiums run from $324 to $400, averaging $366. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Hawaii enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Hawaii

Bronze deductibles in Hawaii run from $6,000 to $7,500, with a median of $7,300 across all 4 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,025 because the spread is not symmetric. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Hawaii

Individual out-of-pocket maximums on Hawaii Bronze plans run from $7,100 to $10,000, with a median of $9,700. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in Hawaii

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
KP HI Standard Bronze 7500/50Kaiser Permanente$324$7,500$10,000
KP HI Bronze 6000/65 Plus CAMKaiser Permanente$351$6,000$9,400
HMSA Bronze PPO IHMSA$388$7,500$10,000
HMSA Bronze PPO II HSAHMSA$400$7,100$7,100

Showing 4 of 4. See all Hawaii Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
HMSA2$388$394$7,100–$7,500
Kaiser Permanente2$324$337$6,000–$7,500
Other tiers in Hawaii

How Bronze compares to the rest

Bronze
Avg $366 · from $324
4 plans · you are here
Silver
Avg $456 · from $417
4 plans
Gold
Avg $468 · from $424
5 plans

All HawaiiMarketplace plans →

Nearby on price

States with similar Bronze premiums

Utah
Avg $349
14 Bronze plans
Ohio
Avg $367
65 Bronze plans
Oregon
Avg $371
22 Bronze plans
Common questions

Hawaii Bronze plans, answered

What are the copays on Hawaii Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 4 Bronze plans in Hawaii, out-of-pocket maximums run $7,100 to $10,000, and deductibles on all 4 plans run $6,000 to $7,500. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Hawaii?
Any Hawaii Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on Hawaii Bronze plans?
Bronze deductibles in Hawaii run from $6,000 to $7,500 across all 4 plans, with a median of $7,300 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $7,100 to $10,000. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Hawaii county?
Bronze plans are sold statewide across Hawaii, from 2 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Hawaii?
Hawaii uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Hawaii start at $324 a month before any subsidy.

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