Best health Insurance plans in
Hawaii
in 2025

Explore top Hawaii health insurance plans for Aloha State residents across all islands. Finding the best health insurance in Hawaii through Venteur connects you with Hawaii's leading insurance carriers offering comprehensive coverage options understanding island living. Our platform provides transparent plan comparisons, competitive pricing, and expert guidance whether on Oahu, Maui, or the Big Island helping find individual, family, or business healthcare solutions delivering quality care with aloha spirit including flexible ICHRA options.

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Market overview
2

Health insurance carriers on the marketplace

47

Plans available on the marketplace

5%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Hawaii
Plans

Discover the best health plans in Hawaii

HMSA
Platinum
PPO
$
$
583.96
/mo
/mo

HMSA Platinum PPO

Deductible:
In-Network: $0 / Out-of-Network: $0
Primary Care Visits:
In-Network: $10 / Out-of-Network: 30%
Generic Drugs:
In-Network: $5 / Out-of-Network: $5 plus 20%
HMSA
Gold
PPO
$
$
482.2
/mo
/mo

HMSA Gold PPO II

Deductible:
In-Network: $1,500 / Out-of-Network: $1,500
Primary Care Visits:
In-Network: $30 / Out-of-Network: 45% after deductible
Generic Drugs:
In-Network: $15 / Out-of-Network: $15 plus 20% after deductible
HMSA
Expanded Bronze
PPO
$
$
395.59
/mo
/mo

HMSA Bronze PPO I

Deductible:
In-Network: $7,500 / Out-of-Network: $7,500
Primary Care Visits:
In-Network: $50 / Out-of-Network: 70% after deductible
Generic Drugs:
In-Network: $25 / Out-of-Network: $25 plus 20% after deductible

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Are you ready?

Get started today with better health benefits

Insurance providers available in Hawaii

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

What should you think about when choosing a health plan?

Choosing a health plan for your business can be complicated and opaque. When evaluating your options, there are a few key factors you should consider:  

  • Costs: Evaluate both the premiums (monthly costs paid by the employer and/or employee) and the out-of-pocket expenses (deductibles, copayments, and coinsurance). Balance these against the overall value and coverage provided. 
  • Flexibility: Consider whether the options allow employees to choose their insurance based on their own unique needs.  
  • Quality of Service: Research the reputation and customer satisfaction ratings of the provider and their network of healthcare providers or health plan options. 
  • Compliance: Ensure that the plan complies with all relevant regulations and laws, such as the Affordable Care Act (ACA) requirements if applicable. 
  • Feedback from Employees: Gathering input from your employees about their healthcare needs and preferences can provide valuable insights into choosing an option that best meets their expectations.
How does Venteur help my team access the plans available in my state?

Venteur administers an ICHRA – an Individual Coverage Health Reimbursement Arrangement. Instead of picking an expensive and inflexible group plan, you set a budget and your employees use Venteur to shop for the plan that works best for them. This allows your employees who elect to enroll in health benefits to pick from the plans available in their state!

What is the best health insurance plan in Hawaii?

The best health insurance plan is one that fits your unique needs and budget. Plans available on the marketplace include options like the HMSA Platinum PPO, Gold PPO, and Bronze PPO. Venteur's AI-powered platform can provide personalized recommendations to help you compare and choose the best plan for your situation.

How much does health insurance cost in Hawaii per month?

The cost of health insurance in Hawaii varies based on your age, the type of plan you select, and your eligibility for financial assistance. For 2026, unsubsidized health insurance premiums will see an average increase of approximately 11.9%. However, some plans, such as specific HMSA plans on Oahu, may be available for as low as $0 per month to qualifying individuals.

What is the income limit for Quest Hawaii?

Eligibility for QUEST, which is Hawaii's Medicaid program, is determined by your household income relative to the Federal Poverty Level. For 2025, income limits include:​

  • Adults ages 19-64: Up to 138% FPL (approximately $24,826 annually for an individual or $51,032 for a family of four)​
  • Children ages 0-18: Up to 313% FPL (approximately $56,316 annually for one child)​
  • Pregnant women: Up to 196% FPL​

These limits are adjusted annually based on updated Federal Poverty Level guidelines.

How do I get health insurance in Hawaii?

There are several ways to get health insurance in Hawaii.

  • If your employer offers an Individual Coverage Health Reimbursement Arrangement (ICHRA) through a platform like Venteur, you can select a plan from the marketplace.
  • You can enroll in a plan through the HealthCare.gov marketplace during the annual Open Enrollment period.
  • A Special Enrollment Period may be available if you experience a qualifying life event, such as a change in employment.
Do you get free HealthCare in Hawaii?

While Hawaii does not provide universal free healthcare, there are programs that offer free or low-cost health coverage to eligible residents.

  • QUEST, the state's Medicaid program, provides medical and behavioral health services at no cost for those who qualify.
  • Depending on your eligibility, you may also find subsidized marketplace plans with a $0 monthly premium.
Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

Icon: Workflows

Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

See the platform

Discover the best health plans in Hawaii

HMSA
Platinum
PPO
$
$
583.96
/mo
/mo

HMSA Platinum PPO

Deductible:
In-Network: $0 / Out-of-Network: $0
Primary Care Visits:
In-Network: $10 / Out-of-Network: 30%
Generic Drugs:
In-Network: $5 / Out-of-Network: $5 plus 20%
HMSA
Gold
PPO
$
$
482.2
/mo
/mo

HMSA Gold PPO II

Deductible:
In-Network: $1,500 / Out-of-Network: $1,500
Primary Care Visits:
In-Network: $30 / Out-of-Network: 45% after deductible
Generic Drugs:
In-Network: $15 / Out-of-Network: $15 plus 20% after deductible
HMSA
Expanded Bronze
PPO
$
$
395.59
/mo
/mo

HMSA Bronze PPO I

Deductible:
In-Network: $7,500 / Out-of-Network: $7,500
Primary Care Visits:
In-Network: $50 / Out-of-Network: 70% after deductible
Generic Drugs:
In-Network: $25 / Out-of-Network: $25 plus 20% after deductible

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
2

Health insurance carriers on the marketplace

47

Plans available on the marketplace

5%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Hawaii