HMSA Gold PPO II — full price in Kauai County, Hawaii (2026)
HMSA Gold PPO II (18350HI0880013), a gold plan from HMSA in Kauai County, Hawaii, costs $620.65/month full price for a 40-year-old in 2026 — $1318.03 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 18350HI0880013 · Issuer: HMSA · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $485.64 |
| 27 | $508.95 |
| 30 | $551.20 |
| 40 | $620.65 |
| 50 | $867.35 |
| 60 | $1318.03 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $543.06/mo. This plan is $620.65/mo at 40 — a difference of $77.59/mo.
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 — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Kauai County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| KP HI Standard Gold 2000/30 | Kaiser Permanente | $542.13 |
| KP HI Gold 1000 Ded/250 Rx Ded | Kaiser Permanente | $567.85 |
| KP HI Gold 0/40 Plus CAM | Kaiser Permanente | $602.69 |
| HMSA Gold PPO I | HMSA | $658.71 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 18350HI0880013 in FIPS 15007.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Kauai County
Reviewed by Jason Burns, Editorial Steward.