Health insurance for people in Hawaii who buy their own.
We help people in Hawaii who buy their own health coverage, including early retirees, the self-employed and anyone between jobs, compare Marketplace plans and Med-QUEST options on every island.
Hawaii plans we compare
What’s different about health insurance in Hawaii.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Hawaii FAQ- Only two insurers sell individual Marketplace plans for 2026: HMSA and Kaiser Permanente.
- The extra federal subsidies ended after 2025, so many people pay more in 2026, and help above 400% of the poverty level is mostly gone.
- Short-term health plans are effectively not sold in Hawaii because of a strict 2018 state law.
- Med-QUEST covers adults up to 138% of the poverty level, using Hawaii's higher poverty guidelines (about $2,112 a month for one adult in 2026).
- Hawaii's Prepaid Health Care Act requires most employers to cover employees who work 20 or more hours a week, which matters if you are weighing a part-time job.
- Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; enroll by December 15 for a January 1 start.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Hawaii's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Hawaii, and what to use instead.
Learn moreWho sells plans in Hawaii
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Hawaii FAQ, or ask an agent at (888) 214-4898.
Hawaii uses the federal Marketplace, so you apply through HealthCare.gov. Two insurers, HMSA and Kaiser Permanente, sell individual and family plans there for 2026.
Open enrollment runs November 1, 2026 to January 15, 2027. Pick a plan by December 15, 2026 if you want coverage to start January 1.
Two things happened at once. The extra federal subsidies expired at the end of 2025, and HMSA and Kaiser raised their 2026 rates by about 10% to 13% before subsidies.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Hawaii county, check your subsidy, and walk you through the options. No cost, no obligation.