Health insurance plans in Kalawao County, HI (2026)
17 marketplace plans from 2 insurers are offered in Kalawao County. The cheapest silver plan is $533 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $414 | 4 |
| Silver | $533 | 4 |
| Gold | $542 | 5 |
| Platinum | $691 | 3 |
| Catastrophic | $297 | 1 |
All plans in Kalawao County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| HMSA | HMSA Catastrophic Plan | Catastrophic | PPO | — | — | $297 |
| Kaiser Permanente | KP HI Standard Bronze 7500/50 | Bronze | HMO | — | — | $414 |
| Kaiser Permanente | KP HI Bronze 6000/65 Plus CAM | Bronze | HMO | — | — | $448 |
| HMSA | HMSA Bronze PPO I | Bronze | PPO | — | — | $496 |
| HMSA | HMSA Bronze PPO II HSA | Bronze | PPO | — | — | $511 |
| Kaiser Permanente | KP HI Standard Silver 6000/40 | Silver | HMO | — | — | $533 |
| Kaiser Permanente | KP HI Standard Gold 2000/30 | Gold | HMO | — | — | $542 |
| Kaiser Permanente | KP HI Silver 4000 Ded/600 Rx Ded | Silver | HMO | $4,000 | — | $543 |
| Kaiser Permanente | KP HI Silver 3000 Ded/600 Rx Ded Plus CAM | Silver | HMO | $3,000 | — | $559 |
| Kaiser Permanente | KP HI Gold 1000 Ded/250 Rx Ded | Gold | HMO | $1,000 | — | $568 |
| Kaiser Permanente | KP HI Gold 0/40 Plus CAM | Gold | HMO | — | — | $603 |
| HMSA | HMSA Gold PPO II | Gold | PPO | — | — | $621 |
| HMSA | HMSA Gold PPO I | Gold | PPO | — | — | $659 |
| Kaiser Permanente | KP HI Standard Platinum 0/10 | Platinum | HMO | — | — | $691 |
| HMSA | HMSA Silver PPO | Silver | PPO | — | — | $695 |
| Kaiser Permanente | KP HI Platinum 0/5 Plus CAM | Platinum | HMO | — | — | $696 |
| HMSA | HMSA Platinum PPO | Platinum | PPO | — | — | $726 |
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $417 |
| 40 | $533 |
| 60 | $1,132 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Hawaii · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Kalawao County County?
The cheapest plan for a 40-year-old non-smoker is $297 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $533.
How much does health insurance cost in Kalawao County County?
For a 40-year-old non-smoker the cheapest plans in Kalawao County start around $297 a month before subsidies. Silver plans cost from $533; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Kalawao County County?
2 insurers filed 17 plan options for this county in the 2026 CMS file.