🩺 Health insurance cost in Hawaii (2026)
The estimated average is $392 per month — below the national average (-30% vs. the U.S. average of $560).
Hawaii is home to about 1.4 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Honolulu typically differ from smaller towns.
Estimate your health insurance in Hawaii
Hawaii health insurance estimator
Starts from the Hawaii average. Estimate only — get quotes to confirm.
Health insurance cost in Hawaii cities
| City | Population | Est. health insurance |
|---|---|---|
| Honolulu | 343,421 | $398 |
| Pearl City | 46,429 | $386 |
| Hilo | 44,186 | $386 |
| Kailua | 40,514 | $386 |
Hawaii health insurance FAQ
How much is health insurance in Hawaii?
The estimated average health insurance in Hawaii is $392 per month, which is below the national average (-30% vs. the U.S. average of $560). Hawaii ranks 50 of 51 states from most to least expensive.
Why is health insurance cheaper in Hawaii?
Health insurance pricing in Hawaii reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on health insurance in Hawaii?
Compare at least three quotes from insurers active in Hawaii, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.