ACA Marketplace plans in Hawaii

Looking for ACA marketplace health insurance in Hawaii? Here is how this coverage lane works specifically for Hawaii residents, what it costs, and how to get it.

Hawaii residents buy ACA Marketplace plans through HealthCare.gov. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.

Because Hawaii runs a federal marketplace, you enroll at HealthCare.gov. Plans and prices are set at the county level across Hawaii's 5 counties, so two neighbors in different counties can see different options.

Hawaii expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.

Hawaii runs a federal marketplace (HealthCare.gov). Residents should enroll through HealthCare.gov, and plan menus are set at the county level across 5 counties.

Because Hawaii expanded Medicaid, a marketplace application may route lower-income adults to Medicaid instead of a subsidized private plan — that is usually good news for cost.

With an approximate uninsured rate near 4.2% and a population of about 1.4 million, Hawaii shoppers should re-check subsidies each year as income and household size change.

Next step

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Frequently asked questions

When is Open Enrollment in Hawaii?
Hawaii follows Marketplace Open Enrollment in late fall for coverage starting January 1. A qualifying life event opens a Special Enrollment Period any time of year.
Are Hawaii Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Hawaii?
Hawaii residents primarily enroll through HealthCare.gov. Start there for plan shopping and subsidy estimates.

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