Silver health insurance plans in Hawaii (2026)
There are 4 Silver plans on the Hawaii Marketplace from 2 insurers, and they are not interchangeable — premiums run from $417 to $544 a month for the same metal tier. Here is what separates them.
Only two insurers sell Silver plans in Hawaii.
All 4 Silver 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 Silver markets in the country.
There are just 4 Silver plans here from 2 insurers, against an average of about 50 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.
What a Silver plan costs in Hawaii in 2026
Across all 4 Silver plans in Hawaii, monthly premiums run from $417 to $544, averaging $456. 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.
Silver plan deductibles in Hawaii
Silver deductibles in Hawaii run from $6,000 to $6,000, with a median of $6,000 across the 2 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 $6,000 because the spread is not symmetric. The other 2 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.
Silver out-of-pocket maximums in Hawaii
Individual out-of-pocket maximums on Hawaii Silver plans run from $8,900 to $8,900, with a median of $8,900. 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.
The cheapest Silver plans in Hawaii
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| KP HI Standard Silver 6000/40Kaiser Permanente | $417 | $6,000 | $8,900 |
| KP HI Silver 4000 Ded/600 Rx DedKaiser Permanente | $425 | $4,000 medical + $600 Rx (separate) | $8,900 |
| KP HI Silver 3000 Ded/600 Rx Ded Plus CAMKaiser Permanente | $438 | $3,000 medical + $600 Rx (separate) | $8,900 |
| HMSA Silver PPOHMSA | $544 | $6,000 | $8,900 |
Showing 4 of 4. See all Hawaii Silver plans →
Silver plans by insurer
| Insurer | Silver plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Kaiser Permanente | 3 | $417 | $427 | $6,000 |
| HMSA | 1 | $544 | $544 | $6,000 |
How Silver compares to the rest
States with similar Silver premiums
Hawaii Silver plans, answered
What are the copays on Hawaii Silver plans?
Who is eligible for a Silver plan in Hawaii?
What is the deductible on Hawaii Silver plans?
Are Silver plans available in my Hawaii county?
When can I enroll in a Marketplace plan in Hawaii?
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