Kaiser Permanente provides the cheapest overall health insurance in Hawaii, with an average monthly premium of $396. Availability can vary, so check out Blue Cross Blue Shield for affordable health plans.
Cheapest Health Insurance in Hawaii: Affordable Plans for 2025
Updated: November 13, 2025
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Key Takeaways
Kaiser Permanente provides Hawaii's most affordable health insurance, saving policyholders an average of $182 per month compared to the state average.
Kaiser Permanente offers top-rated full coverage Platinum plans, with affordable pricing starting at $628 monthly.
You can find the cheapest health insurance by selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Hawaii
| Kaiser Permanente | $396 | $182 |
| Blue Cross Blue Shield | $1,294 | $-715 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Hawaii Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Hawaii, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: Kaiser Permanente ($390 monthly)
- Cheapest for Seniors: Kaiser Permanente ($1,033 monthly)
- Cheapest Catastrophic Plan: Blue Cross Blue Shield ($256 monthly)
- Cheapest Expanded Bronze Plan: Kaiser Permanente ($373 monthly)
- Cheapest Silver Plan: Kaiser Permanente ($486 monthly)
- Cheapest Gold Plan: Kaiser Permanente ($501 monthly)
- Cheapest Full Coverage (Platinum Plan): Kaiser Permanente ($628 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:
Silver
40
| Kaiser Permanente | KP HI Silver 4000 Ded/600 Rx Ded | $486 | $37 | $8,900 |
Cheapest Health Insurance Plans by County in Hawaii
Kaiser Permanente is the cheapest provider overall and offers the most affordable and widely available Silver plans across all counties.
| Hawaii | Kaiser Permanente | $457 | KP HI Standard Silver 5900/40 |
| Honolulu | Kaiser Permanente | $457 | KP HI Standard Silver 5900/40 |
| Kalawao | Kaiser Permanente | $457 | KP HI Standard Silver 5900/40 |
| Kauai | Kaiser Permanente | $457 | KP HI Standard Silver 5900/40 |
| Maui | Kaiser Permanente | $457 | KP HI Standard Silver 5900/40 |
How to Find the Cheapest Health Insurance in Hawaii
Follow these steps to find affordable health insurance in Hawaii:
- 1Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income.
- 2Find out your subsidy eligibility
If you earn between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. If you earn below 250% of the Federal Poverty Level ($36,450), you can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans.
- 4Review prescription formularies
Check insurers' prescription coverage for medications you regularly take.
- 5Compare plans during Enrollment
Take advantage of Open Enrollment from November 1 to January 15, or Special Enrollment under certain conditions, like job loss or changes in family size.
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Apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents.
Most Affordable Health Insurance in Hawaii: Bottom Line
Hawaii's most affordable health insurance companies Kaiser Permanente and Blue Cross Blue Shield. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Hawaii Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Hawaii:
What is the cheapest health insurance in Hawaii?
In Hawaii, Kaiser Permanente provides the most affordable health insurance, with Silver plans beginning at $396 for 40-year-olds. To fit your specific needs and income, also consider options from Blue Cross Blue Shield.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Hawaii
Hawaii residents shopping for health insurance face a complex marketplace where the cheapest monthly premium doesn't always mean the lowest total cost once you factor in deductibles and out-of-pocket maximums. We built this analysis to show you which plans offer the lowest premiums while helping you understand the trade-offs between upfront costs and potential medical expenses.
We obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Hawaii, analyzing costs for consumers aged 18, 26, 40, 50, and 60 to show how premiums change across different life stages.
We identified the cheapest overall plans as those with the lowest monthly premium costs for 40-year-olds, since most Hawaii residents fall near this age demographic.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.