Find Affordable Health Insurance in Hawaii

From paying for medications to covering the costs of an unexpected hospital visit, health insurance is important in ensuring you can get the care you need. To get the most out of your insurance, it’s also important that you choose a health insurance policy that’s a good fit for your care needs and your budget.

That can sound overwhelming, but we’re here to help. We’ve outlined the must-know details about finding affordable health insurance in Hawaii to help you choose the right policy.

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The Average Cost of Health Insurance in Hawaii

The average cost of a Bronze level insurance plan for a 40-year-old adult in Hawaii is $365 per month. That’s less than the national average cost of a Bronze plan for a 40-year-old adult, which is $440 per month. While this average figure gives you an idea of the cost of health insurance in Hawaii, your premium cost may vary depending on factors like your age and health. Providers of health insurance in Hawaii consider many factors when calculating your premiums, including:

Location
Age
Current health
Whether you smoke
Number of dependents included on the policy
Marital status
Type of coverage

To get the most accurate idea of how much you will pay for health insurance, it’s helpful to get a personalized quote, and we can help with that. Contact ConsumerCoverage for a free, personalized quote today.

Types of Hawaii Health Insurance Plans

As you shop for health insurance, you’ll be able to choose from many different types of plans. The best health insurance in Hawaii is a policy that covers your healthcare needs while being within your budget. We’ve outlined some of the most common types of health insurance policies that you’re likely to see:

Health Maintenance Organization (HMO) plans require you to have a primary care physician and receive care from in-network providers. HMO plans have low premiums and deductibles.
Preferred Provider Organization (PPO) plans offer increased flexibility, allowing you to receive care from an out-of-network provider. You aren’t required to have a primary care physician, and the plans have slightly higher premiums and deductibles than HMO plans.
Point of Service (POS) plans are more flexible, allowing you to receive out-of-network care and not requiring a primary care physician. The plans have higher premiums and deductibles in exchange for this increased flexibility.
Exclusive Provider Organization (EPO) plans don’t require you to have a primary care physician, but you will need to receive in-network care. The plans have lower premiums and deductibles.

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Levels of Health Insurance in Hawaii

In addition to having your choice of plan type, you will also need to choose your insurance plan level. Health insurance in Hawaii is available in Bronze, Silver, Gold, and Platinum levels, each offering different amounts of coverage:

Bronze plans have higher deductibles, but lower monthly premiums, so they often make sense if you have minimal healthcare needs.
Silver plans have higher premiums, but lower deductibles, so you could save money if you often need care.
Gold and Platinum level plans offer the greatest coverage, but have higher premiums. These plans are often helpful for people with chronic conditions or other significant or frequent healthcare needs.

How to Get Health Insurance in Hawaii

You may be able to save money on health insurance by choosing a policy that your employer offers at a discount. Depending on your age and income, you may qualify for Medicare, Medicaid, or the Hawaii Children’s Health Insurance Program. These platforms may help you to access free or low-cost health insurance in Hawaii.

When buying insurance, be sure to shop around and compare health insurance rates to find the best deal on your health insurance policy. Start with ConsumerCoverage and get your free, fast quote for health insurance in Hawaii today to start exploring your options.

Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.