What health insurance costs without a subsidy in Kalawao County, Hawaii (2026)
In Kalawao County, Hawaii, the benchmark silver plan costs $543.06/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $296.87 to $726.31. A 60-year-old pays at least $630.44/month, a 21-year-old at least $232.29. 2 insurers offer 17 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $232.29/mo
- Age 40 — starting at $296.87/mo
- Age 60 — starting at $630.44/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $532.95/mo
- Gold — starting at $542.13/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
HMSA, Kaiser Permanente
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Kalawao County (FIPS 15005).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Hawaii
- Hawaii County — $543.06/mo benchmark
- Honolulu County — $543.06/mo benchmark
- Kauai County — $543.06/mo benchmark
- Maui County — $543.06/mo benchmark
Plans available in this county (17)
- HMSA Catastrophic Plan — Catastrophic · $296.87/mo @ 40
- KP HI Standard Bronze 7500/50 — Expanded Bronze · $413.92/mo @ 40
- KP HI Bronze 6000/65 Plus CAM — Expanded Bronze · $448.05/mo @ 40
- HMSA Bronze PPO I — Expanded Bronze · $496.08/mo @ 40
- HMSA Bronze PPO II HSA — Expanded Bronze · $511.37/mo @ 40
- KP HI Standard Gold 2000/30 — Gold · $542.13/mo @ 40
- KP HI Gold 1000 Ded/250 Rx Ded — Gold · $567.85/mo @ 40
- KP HI Gold 0/40 Plus CAM — Gold · $602.69/mo @ 40
- HMSA Gold PPO II — Gold · $620.65/mo @ 40
- HMSA Gold PPO I — Gold · $658.71/mo @ 40
- KP HI Standard Platinum 0/10 — Platinum · $690.85/mo @ 40
- KP HI Platinum 0/5 Plus CAM — Platinum · $696.50/mo @ 40
- HMSA Platinum PPO — Platinum · $726.31/mo @ 40
- KP HI Standard Silver 6000/40 — Silver · $532.95/mo @ 40
- KP HI Silver 4000 Ded/600 Rx Ded — Silver · $543.06/mo @ 40
- KP HI Silver 3000 Ded/600 Rx Ded Plus CAM — Silver · $559.41/mo @ 40
- HMSA Silver PPO — Silver · $695.10/mo @ 40
Reviewed by Jason Burns, Editorial Steward.