Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Hawaii Health Insurance Plans
2026 Subsidy-eligible and Off-Exchange plans
39 plans across the state
Obamacare (On-Exchange) plans
Subsidy-eligible plans sold through the federal Marketplace. Prices shown are before any tax credit.
Deductible · ind / family
$7,100 / $14,200
Out-of-pocket max · ind / family
$7,100 / $14,200
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$9,400 / $18,800
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$4,000 / $8,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$700 / $1,400
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$1,000 / $2,000
Out-of-pocket max · ind / family
$8,700 / $17,400
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,200 / $10,400
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$4,000 / $8,000
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,200 / $10,400
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200
Off-Exchange plans
Plans sold directly by the carriers, outside the federal Marketplace. These are not eligible for a subsidy tax credit.
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$9,400 / $18,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$9,400 / $18,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$9,400 / $18,800
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$4,000 / $8,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$4,000 / $8,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$1,000 / $2,000
Out-of-pocket max · ind / family
$8,700 / $17,400
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$8,900 / $17,800
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$4,000 / $8,000
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$4,000 / $8,000
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$4,000 / $8,000
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$5,200 / $10,400
Frequently asked questions
What are Obamacare health insurance plans?
Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.
What are Off-Exchange health insurance plans?
Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.
What's the difference between Obamacare and Off-Exchange plans?
The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.
How do I choose the plan that's best for me and my family?
Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.