SimpliveraCoverage Companion
Hawaii · 2026 plan year

Gold health insurance plans in Hawaii

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
$1,140
Average 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 41 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.

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$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 average
Kaiser Permanente3$424$447
HMSA2$486$501
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 a Hawaii Gold plan?
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. Across the 5 Gold plans in Hawaii, deductibles average $1,140 and the out-of-pocket maximum averages $8,440. 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 — averaging $1,140 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 a Hawaii Gold plan?
The average across all 5 Gold plans in Hawaii is $1,140, with an average out-of-pocket maximum of $8,440. The range within the 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 Hawaii Marketplace plan?
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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