See what health insurance costs in Hawaii — with your subsidy. A few quick questions, no email, nothing is sent anywhere. Rates shown are for 2026 coverage.
Hawaii Health Insurance Cost Estimator
2026 rates. Rough estimate, not a quote. No personal information is collected or stored.
First, one question: Do you work 20+ hours a week for a Hawaii employer?
Hawaii law (Prepaid Health Care Act) requires your employer to offer you health insurance if you work 20+ hours a week — and your share is capped at 1.5% of your monthly pay. Check your employer’s plan first. It will almost always cost less than the marketplace.
Your share: at most per month. Your employer pays at least half the premium. A typical employer premium is $520–$680/month, so your share is never more than about $260–$340/month — and usually much less.
Employer plans do not add a tobacco surcharge on top of the 1.5% cap in practice.
Under 18 or 65 or older? See Med-QUEST / CHIP or Medicare instead — this estimator covers ages 18 to 64.
Only up to 3 children count for rating under ACA rules.
Use modified adjusted gross income (MAGI). For 2026 coverage, 400% of the poverty level for a single adult is $71,960.
Insurers may charge tobacco users up to 50% more. The subsidy is calculated on the non-tobacco premium, so the surcharge is paid fully out of pocket.
Your estimated monthly premium:
Monthly premium before subsidy: · Monthly subsidy:
Annual: after subsidy ( before subsidy).
Cost-sharing reductions: your income also qualifies for lower deductibles and out-of-pocket costs — but only on a Silver plan.
Your net Bronze premium could be $0 or near $0.
Med-QUEST (Medicaid): your income is below 100% of the poverty level, so marketplace subsidies do not apply. You may qualify for Med-QUEST instead — check eligibility.
Income at or below 138% of the poverty level may qualify for Med-QUEST (Medicaid) — check eligibility before buying a marketplace plan.
Rough estimate, not a quote. If your actual income ends up higher than what you enter, you may have to repay some or all of the subsidy at tax time — there is no repayment cap for 2026. Rates shown are for 2026 coverage. For 2027, the benchmark Silver (age 40) is $592/month, with approved increases of HMSA +13.3% and Kaiser +9% — this calculator will be updated. Sources: KFF Marketplace Average Benchmark Premiums and Average Premiums by Metal Tier (2026); Hawaii DCCA on-exchange premium list (Nov 2025, plan year 2026); IRS Rev. Proc. 2025-25; HHS 2025 Hawaii poverty guidelines (Federal Register 90 FR 5917); CMS age-curve guidance (Dec 2016); healthinsurance.org Hawaii guide (Sep 2026). Gold (about $540) and Platinum (about $691) are modeled estimates from DCCA data, not published averages. County premiums vary — these are statewide averages. Confirm with a licensed Hawaii insurance agent or HealthCare.gov.
How this estimate works
Base premiums (age 40, single, non-smoker, before subsidy): Bronze $414/month, benchmark Silver $541/month (KFF 2026). Gold about $540/month and Platinum about $691/month are modeled estimates from DCCA data, not published averages.
Age: Premiums scale by the CMS federal default age curve (21: 1.000, 40: 1.278, 60: 2.714, 64: 3.000).
Subsidies (2026): The enhanced premium tax credits expired Dec 31, 2025. Under current law, subsidies apply only at 100–400% of the poverty level, with a hard cliff above 400% ($0). If actual income ends up higher than entered, the full excess must be repaid at tax time — no repayment cap for 2026.
Poverty levels (2025 Hawaii guidelines, used for 2026 coverage): Single $17,990; family of 4 $36,980; +$6,330 per extra person. 400% cutoffs: single $71,960; family of 4 $147,920. Do not use mainland figures.
Carriers: Only two on the Hawaii marketplace in 2026 — HMSA and Kaiser.
Tobacco: Insurers may charge up to 50% more; the subsidy is calculated on the non-tobacco premium.
PHCA: Employers must offer coverage at 20+ hours/week; the employee share is capped at 1.5% of monthly pay.
This is a rough estimate, not a quote. Your actual premium depends on your carrier, plan, age, household, and county. Confirm with a licensed Hawaii insurance agent or HealthCare.gov.