For Individuals & Families
You have more options than you think.
Most people think the ACA marketplace is the only door, but depending on your health, your income, and your life, there may be better options waiting for you.
Already know what you want?
You don't need a bundle. Tap a plan to go straight to its page, where you can quote and enroll on your own or book a call.
Let's look at your benefits together, the whole picture
Nobody loves paying for insurance, and we completely understand. Our goal is to help you spend as little as possible while still owning the strongest coverage you can, so before we talk about what fits you, here's what each kind of benefit really costs in Hawaiʻi for 2027.
What benefits cost in Hawaiʻi in 2027
| Benefit | One person | Family of four |
|---|---|---|
| Your health foundationSample price a month | ||
| Med-QUESTHawaiʻi's Medicaid program, if your income qualifies, with dental and vision included | $0 | $0 |
| ACA marketplace planBronze to Gold, before any tax credit, which can lower these a lot | $506 to $674 | $1,571 to $2,095 |
| Affordable ChoiceFor healthy people, any time of year, with counseling and telemedicine included | $198 to $261 | $550 to $745 |
| Then dental and visionSample price a month | ||
| DentalFrom cleanings and checkups up to crowns, root canals, and dentures | From $24.99 | Priced per person |
| VisionYearly eye exams, plus allowances for glasses or contacts | From $15.49 | Priced per person |
| Then protect your income and your familySample price a month | ||
| Term life, $100,000A 20-year term that refunds your premiums if you outlive it | $47.86 | Priced per adult |
| Disability, $500 a weekReplaces part of your paycheck when an injury or illness keeps you from working | $18.34 to $34.14 | Priced per working adult |
| Then cash benefitsSample price a week | ||
| AccidentCash for the ER, X-rays, fractures, and follow-up care after an injury | $5.77 | $11.77 |
| Hospital, $2,000 a stayA set amount each time you're admitted, which many people match to their deductible | $3.03 | $9.47 |
| Critical illnessA lump sum when you're diagnosed with cancer, or have a heart attack or stroke | $5.77 | $10.38 |
With a tax credit, the picture changes fast: a 45-year-old earning $45,900 gets about $340 a month in help, which brings that Bronze plan down to about $166.
Most cash benefit plans cost between $2 and $7 a week for one person, and just a few dollars more for the whole family.
Sample 2027 Hawaiʻi prices. Health, cash, and critical illness samples are for a 45-year-old, or a family of four with two adults age 45, in Kahului (96732). Marketplace prices are before any tax credit. Life and disability samples are for a 39-year-old non-smoker, and the critical illness sample is $10,000 for cancer plus $10,000 for heart attack and stroke. Your price depends on your age, your health, who you cover, and the options you choose.
One step at a time
- 1. Health insurance
- 2. Dental & vision
- 3. Cash benefits
Choose your health insurance first, because it decides what else you need. Once that's settled, come back to explore dental and vision, and then the cash benefits that pay you directly.
1st Benefit Decision:
Which of these sounds most like you?
Most families we meet land in one of these four places, and each one leaves a different set of gaps to fill.
- 1
Your income qualifies for Med-QUEST
Your health care, dental, and vision are covered at little or no cost, which is wonderful. What Med-QUEST doesn't do is replace your paycheck or take care of your family if something happens to you.
- Even if you and your spouse don't qualify, your children may
- You can apply any time of year, and calling is the easiest way
Usually worth adding:
- Disability
- Life insurance
- 2
You qualify for an ACA tax credit
Your marketplace plan takes care of the big medical bills, but it comes with a high deductible, and adult dental and vision usually aren't included, so there are a few gaps worth filling.
- It's also the right place if a medical condition makes other coverage hard to get
- Enroll from November 1 to January 15, or within 60 days of a qualifying life event like losing coverage, moving, marriage, or a new baby
Usually worth adding:
- Dental and vision
- Cash for the deductible
- Disability
- Life insurance
- 3
You're healthy and want to save money
Affordable Choice often costs far less than a marketplace plan for healthy people who don't get a tax credit, and pairing it with a bundle keeps the everyday costs covered.
- Any doctor, no network, and benefits from your very first visit
- There's no enrollment window, so you can enroll any time of year
Usually worth adding:
- Affordable Choice
- A bundle
- Disability
- Life insurance
- 4
You already have health insurance through work
Even with a good company plan, you can get the benefits your employer doesn't offer through us, on your own, and they stay with you if you ever change jobs.
- Own a business with a DOL number? A group plan through Kaiser or HMAA may give you stronger coverage for less, even with just one employee
- That's group coverage, not an individual or Marketplace plan
Usually worth adding:
- Dental and vision
- Cash benefits
- Disability
- Life insurance
Turning 65 or already on Medicare? Text us at (808) 303-5040 and we'll connect you with the right help right away.
Hawaiʻi Health Insurance ComparisonAll four options side by side, your 2027 estimate, what each one costs, and when you can enroll.2nd Benefit Decision:
Dental, vision & hearing
Health insurance was built for medical care, and dental, vision, and hearing usually sit outside it entirely, so this is the next thing to settle once your health coverage is in place. You can choose standalone plans or one bundled package, see real starting rates, and enroll on your own or talk it through with us.
- Cleanings and checkups covered, with plans for fillings, crowns and root canals when you need more
- Vision with yearly exams and allowances for frames and contacts, and bundled plans that add hearing
- A one-question tool that points you to the dental plan that fits the year you're expecting
3rd Benefit Decision:
Health insurance pays the hospital. Cash benefits pay you.
Your health plan sends its money to the hospital and the doctors. A cash benefit plan sends money to you, so you can cover your deductible and keep up with the bills that keep arriving while you recover.
We recommend owning both types of coverage: one to pay the providers, and the other to pay you. Together, you will feel fully protected.
Say you break your arm and spend the afternoon in the ER.
Health insurance
- Your visit
- Your health plan
- Hospital and doctors
- The ER, the X-ray, and your follow-up are billed to your health plan.
- Your plan pays its share straight to the hospital and the doctors.
- You still owe your deductible and copays, and your rent is still due.
Your deductible and copays, depending on your plan.
Cash benefits
- Your visit
- Your cash plan
- You
- You send in a simple claim after your visit.
- The plan pays you a set amount for each part of the visit.
- The money is yours to spend on whatever you need most.
- Emergency room$200
- X-ray$100
- Doctor follow-up$50
The fracture benefit adds up to $5,000, depending on the bone.
What that cash can help you cover
- Your deductible
- Copays
- Rent or mortgage
- Groceries
- Car payment
- Childcare
Most cash benefit programs cost between $2 and $7 a week for one person, and just a few dollars more to cover your whole family.
Sample price range. Your rate depends on your age, who you cover, and the plan you choose. Sample benefit amounts from a Hawaii accident plan schedule, two units. Actual benefits depend on the plan and the claim, and the policy has the full schedule.
We'll show you what a sample accident plan would pay you, in cash, for each part of the claim.
Your sample claim
- Urgent care visit$225
- X-ray$100
- Crutches$125
- Physical therapy, 2 visits$140
Most plans also pay a $60 wellness benefit each year for a checkup or screening.
What it costs
Accident coverage starts at about $25 a month for one person and $51 for a family, and the money is paid directly to you.
Sample benefit amounts from a Hawaii accident plan schedule, two units. Actual benefits depend on the plan and the claim, and the policy has the full schedule.
Want the whole picture, with every kind of cash benefit explained? Read the cash benefits guide.
Pick the one that sounds most like you
Most people pair a few of these together, and a bundle makes that simple. Every plan in a bundle goes on one application, with one set of health questions and one monthly payment from your bank. Tap a bundle to see what goes into it.
Affordable Choice
Pays set cash amounts for doctor visits, labs, imaging, surgery, and hospital days, with no network and no deductible on the base plan.
$197.87 /mo
Accident
Pays you for the ER visit, X-rays, stitches, fractures, and physical therapy after an injury.
$22.00 /mo
This is the pairing we see most often, because the accident plan fills in the everyday injury costs the base plan pays less on.
Sample Hawaii rates for the person described. Your price depends on your age, who you cover, and the options you choose. These are fixed-indemnity and limited-benefit plans, not major medical coverage. Affordable Choice is available from ages 18 to 64, health questions apply, and pregnancy is not covered.
Sample monthly total
$219.87 a month
Sample: one person, age 45, in Hawaii.
- One application and one set of questions
- One monthly bank draft covers every plan
- Cash paid to you, on top of any other coverage
Most Popular Individual Health Insurance Bundle
Affordable Choice + Accident
Less than $200 a month
Health coverage that pays from your very first visit, with any doctor you like, plus an accident plan that pays you directly when you get hurt. Counseling and virtual care through EasyCare2Go come built in, and one application covers both plans.
Sample Hawaiʻi rate: one person, age 35, Affordable Choice Elite plus accident coverage, $191.28 a month. Your price depends on your age and who you cover.
Prefer to build your own? Every plan below has its own page, where you can see rates and enroll on your own or book a call.
Accident coverage
Cash benefits when injuries happen
Hospital and illness
Cash benefits for hospital stays, illnesses and surgeries
Critical illness
A lump sum from $5,000 to $75,000 when you're diagnosed with cancer, or have a heart attack or stroke
Disability and paycheck protection
Replaces income when you cannot work
Also worth having
Life insurance
Several plan types, some with automatic qualification
Travel health coverage
For trips abroad and for visitors to Hawaiʻi
Outside Hawaiʻi? Read our cash benefits guide, or book a call and we'll quote you directly.
The Mana Journey™: Individual & ʻOhana Edition
We have a proven, structured process that helps you figure things out. Here's exactly what working with us looks like.
1Understand what options are available
Start with our honest map: when the ACA marketplace is right, when Medicaid (Med-QUEST in Hawaiʻi) is, and the options most people never hear about.
You leave with: real understanding, not sales pressure.
2Find your path
Take The Wayfinder™, our self-assessment. It shows you where you're covered, where you're exposed, and what's worth fixing first.
You leave with: an honest picture of where you stand, in about three minutes.
Take The Wayfinder™3Book & prepare
Schedule your free benefit consultation. We'll email you a short intake form, and returning it before we meet means we arrive fully prepared for you.
Book your consultation4Talk story & see your options
We listen first, then shop our carrier relationships and bring back bundled options with real numbers, along with our honest recommendation.
5Enroll & stay supported
We handle enrollment, then we stay close: claims questions, life changes, and an annual review so your coverage keeps fitting your life.
Carriers we proudly represent
Not sure where to start?
That's exactly what we're here for. Take The Wayfinder™ Assessment, book a time that works, or just call or text us at (808) 303-5040. A real person answers, and there's no pressure on the other end.