ACA marketplace plans in Kauai County, Hawaii (2026)
Kauai County, Hawaii has 17 ACA marketplace plans from 2 insurers in 2026, with monthly premiums for a 40-year-old ranging from $297 to $726 and a benchmark (second-lowest-cost silver) plan at $543 per month.
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| HMSA | HMSA Catastrophic Plan | Catastrophic | $232.29 | $296.87 | $630.44 | $10,600 | $10,600 |
| Kaiser Permanente | KP HI Standard Bronze 7500/50 | Expanded Bronze | $323.88 | $413.92 | $879.01 | $7,500 | $10,000 |
| Kaiser Permanente | KP HI Bronze 6000/65 Plus CAM | Expanded Bronze | $350.59 | $448.05 | $951.50 | $6,000 | $9,400 |
| HMSA | HMSA Bronze PPO I | Expanded Bronze | $388.17 | $496.08 | $1,053.49 | $7,500 | $10,000 |
| HMSA | HMSA Bronze PPO II HSA | Expanded Bronze | $400.13 | $511.37 | $1,085.95 | $7,100 | $7,100 |
| Kaiser Permanente | KP HI Standard Gold 2000/30 | Gold | $424.20 | $542.13 | $1,151.28 | $2,000 | $8,200 |
| Kaiser Permanente | KP HI Gold 1000 Ded/250 Rx Ded | Gold | $444.33 | $567.85 | $1,205.91 | $1,000 | $8,700 |
| Kaiser Permanente | KP HI Gold 0/40 Plus CAM | Gold | $471.59 | $602.69 | $1,279.90 | $0 | $8,900 |
| HMSA | HMSA Gold PPO II | Gold | $485.64 | $620.65 | $1,318.03 | $2,000 | $8,200 |
| HMSA | HMSA Gold PPO I | Gold | $515.42 | $658.71 | $1,398.85 | $700 | $8,200 |
| Kaiser Permanente | KP HI Standard Platinum 0/10 | Platinum | $540.57 | $690.85 | $1,467.11 | $0 | $5,200 |
| Kaiser Permanente | KP HI Platinum 0/5 Plus CAM | Platinum | $544.99 | $696.50 | $1,479.10 | $0 | $4,000 |
| HMSA | HMSA Platinum PPO | Platinum | $568.32 | $726.31 | $1,542.42 | $0 | $5,200 |
| Kaiser Permanente | KP HI Standard Silver 6000/40 | Silver | $417.02 | $532.95 | $1,131.79 | $6,000 | $8,900 |
| Kaiser Permanente | KP HI Silver 4000 Ded/600 Rx Ded | Silver | $424.93 | $543.06 | $1,153.26 | $4,000 | $8,900 |
| Kaiser Permanente | KP HI Silver 3000 Ded/600 Rx Ded Plus CAM | Silver | $437.72 | $559.41 | $1,187.97 | $3,000 | $8,900 |
| HMSA | HMSA Silver PPO | Silver | $543.90 | $695.10 | $1,476.14 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.