Compare 2026 health insurance in Hawaii. HealthCare.gov, HMSA and Kaiser, island networks, and a Hawaii-licensed agent — free.
We are not a Hawaii state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Hawaii tried its own exchange, closed it in 2015, and now enrolls through HealthCare.gov. About 21,000 residents use the marketplace. The unusual part is geography: which carrier you can pick depends on which island you live on, so the first question here isn't price — it's what's actually available where you are.
There are two carriers, HMSA (Blue Cross Blue Shield of Hawaii) and Kaiser Permanente, but Kaiser is Oahu-only. On every neighbor island, HMSA is the only marketplace option. On Oahu, care runs through The Queen's Health Systems, Hawaii Pacific Health, and Kaiser's Moanalua; on the neighbor islands, HMSA's network covers the regional hospitals that serve each island.
We're licensed in Hawaii and enroll people directly through HealthCare.gov. Below is how coverage works across the islands, plus the situations we help with most — the self-employed, families, and early retirees paying their own way above the Med-QUEST line.
Hawaii ran its own exchange briefly but shut it down in 2015; residents now enroll through the federal marketplace, HealthCare.gov.
Hawaii expanded Medicaid (Med-QUEST), so marketplace subsidies begin above the roughly 138% of poverty Medicaid floor.
These companies offer individual and family health plans in Hawaii. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
Not anymore. Hawaii closed its state exchange in 2015, so residents enroll through the federal marketplace at HealthCare.gov. A licensed Hawaii agent can enroll you there at no extra cost and also show you off-marketplace options it doesn't list.
It depends. Both HMSA and Kaiser sell on Oahu, but Kaiser is Oahu-only — on Hawaii Island, Maui, and Kauai, HMSA is the only marketplace carrier. We'll confirm exactly what's available at your address.
No. Hawaii limits short-term plans to under 91 days, bars renewals, and blocks their sale to anyone marketplace-eligible, so no carriers offer them. For a coverage gap we'll look at a marketplace plan or a special enrollment period instead.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.