Hawaii
Cheapest ACA plans in Honolulu, Hawaii for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Honolulu is in Honolulu County, Hawaii. 3 carriers sell 2026 ACA plans on Healthcare.gov for residents of Honolulu County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $414/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Honolulu County, including Honolulu.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Honolulu (Honolulu County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Honolulu County |
|---|---|---|
| Catastrophic | $297 | 1 |
| Expanded Bronze | $414 | 4 |
| Silver | $533 | 4 |
| Gold | $542 | 5 |
| Platinum | $691 | 3 |
The actual cheapest Bronze plan in Honolulu
Kaiser Foundation Health Plan, Inc - Hawaii KP HI Standard Bronze 7500/50
$414/moFor a family of four (two 40-year-olds and two kids under 14): Kaiser Foundation Health Plan, Inc - Hawaii KP HI Standard Bronze 7500/50 at $1,323/month before subsidies.
Carriers selling 2026 plans in Honolulu
3 carriers sell 2026 plans on Healthcare.gov for Honolulu County residents. 38 plans total in Honolulu County.
| Carrier | On-exchange plans |
|---|---|
| Kaiser Foundation Health Plan, Inc - Hawaii | 10 |
| Hawaii Medical Service Association | 6 |
| HMSA | 1 |
What you'll actually pay in Honolulu
Estimated monthly net premium for the cheapest Bronze plan above ($414/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Honolulu Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 139% | $470/mo | $0/mo |
| $40,000 | 222% | $296/mo | $118/mo |
| $60,000 | 334% | $46/mo | $368/mo |
| $100,000 | 556% | — | $414/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 108% | — | Medicaid likely |
| $80,000 | 216% | $1,257/mo | $66/mo |
| $130,000 | 352% | $658/mo | $665/mo |
| $200,000 | 541% | — | $1,323/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Honolulu, Hawaii for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Kaiser Foundation Health Plan, Inc - Hawaii KP HI Standard Bronze 7500/50 at $414 per month before subsidies. Plans sell through Healthcare.gov. Honolulu is in Honolulu County, Hawaii; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
Does Hawaii use Healthcare.gov?
Yes. Hawaii uses the federally-facilitated Marketplace (FFM) at healthcare.gov. Hawaii briefly operated its own exchange (Hawaii Health Connector) but discontinued it and migrated to Healthcare.gov in 2016.
What is the Hawaii Prepaid Health Care Act?
Enacted in 1974 (HRS Chapter 393), the Prepaid Health Care Act requires Hawaii employers to offer comprehensive health insurance to employees working 20 or more hours per week for four consecutive weeks, with employers paying at least 50% of the premium. This predates ACA by decades and means most working Hawaii residents get coverage through employers rather than the individual market.
Has Hawaii expanded Medicaid?
Yes. Hawaii expanded Medicaid in January 2014 through Med-QUEST. Adults 19-64 with income up to 138% of the Hawaii FPL (higher than the contiguous-48 table) qualify regardless of parental status or disability. There is no coverage gap in Hawaii.
More Hawaii pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Hawaii DCCA Insurance Division for rate review and carrier filings under HRS Chapter 431.
- Hawaii Prepaid Health Care Act: HRS Chapter 393 for the 1974 employer-coverage mandate that shapes the Hawaii individual market.
- Hawaii Med-QUEST (Medicaid) for state Medicaid expansion eligibility using the Hawaii FPL table.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.