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Hawaii · 2026 plan year

Gold health insurance plans in Hawaii (2026)

There are 5 Gold plans on the Hawaii Marketplace from 2 insurers, and they are not interchangeable — premiums run from $424 to $515 a month for the same metal tier. Here is what separates them.

5
Gold plans
2
Insurers
Statewide
Counties covered
$424
Cheapest premium
$1,350
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 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.

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

There are just 5 Gold plans here from 2 insurers, against an average of about 40 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 Gold plan costs in Hawaii in 2026

Across all 5 Gold plans in Hawaii, monthly premiums run from $424 to $515, averaging $468. 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

Gold plan deductibles in Hawaii

Gold deductibles in Hawaii run from $0 to $2,000, with a median of $1,350 across the 4 plans with one combined deductible — 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 $1,175 because the spread is not symmetric. Some Hawaii Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 1 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. 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

Gold out-of-pocket maximums in Hawaii

Individual out-of-pocket maximums on Hawaii Gold plans run from $8,200 to $8,900, with a median of $8,200. 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 Gold plans in Hawaii

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
KP HI Standard Gold 2000/30Kaiser Permanente$424$2,000$8,200
KP HI Gold 1000 Ded/250 Rx DedKaiser Permanente$444$1,000 medical + $250 Rx (separate)$8,700
KP HI Gold 0/40 Plus CAMKaiser Permanente$472$0$8,900
HMSA Gold PPO IIHMSA$486$2,000$8,200
HMSA Gold PPO IHMSA$515$700$8,200

Showing 5 of 5. See all Hawaii Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
Kaiser Permanente3$424$447$0–$2,000
HMSA2$486$501$700–$2,000
Other tiers in Hawaii

How Gold compares to the rest

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

All HawaiiMarketplace plans →

Nearby on price

States with similar Gold premiums

South Carolina
Avg $457
34 Gold plans
Iowa
Avg $468
36 Gold plans
North Dakota
Avg $489
18 Gold plans
Common questions

Hawaii Gold plans, answered

What are the copays on Hawaii Gold 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 5 Gold plans in Hawaii, out-of-pocket maximums run $8,200 to $8,900, and deductibles on the 4 plans with one combined deductible run $0 to $2,000. The other plan sets a separate deductible for prescription drugs and is not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Hawaii?
Any Hawaii Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $1,350 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Hawaii Gold plans?
Gold deductibles in Hawaii run from $0 to $2,000 across the 4 plans with one combined deductible, with a median of $1,350 — that median is the figure closest to a typical plan. The other plan sets a separate deductible for prescription drugs and is not included in the deductible figures. Out-of-pocket maximums run $8,200 to $8,900. 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 Gold plans available in my Hawaii county?
Gold 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 Gold premiums in Hawaii start at $424 a month before any subsidy.

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