State guides answer the three intake questions brokers get before income: which exchange platform, whether Medicaid expansion changes the subsidy cliff, and which carriers filed in the state for 2026.
At a glance
- Hawaii uses HealthCare.gov (FFM) for individual market enrollment.
- Medicaid expansion status: expanded.
- CMS lists 81 issuers on file for 2026.
- Sample rating area: Honolulu (96813).
Marketplace snapshot
Figures below come from CMS Marketplace filings for plan year 2026. The sample ZIP is 96813 in Honolulu. Use coverage preview for another rating area, then quote the household when you need APTC and CSR math.
| Field | HI · 2026 |
|---|---|
| Exchange platform | HealthCare.gov (FFM) |
| Medicaid expansion | Expanded |
| Plans in Honolulu (96813) | Not returned yet |
| Premium range (before APTC) | Not returned yet |
| Issuers on file | 81 |
Exchange platform
Hawaii runs on HealthCare.gov (FFM). Confirm SEP and OEP deadlines on the state site when the household is not on the federal HealthCare.gov window.
Medicaid expansion
This state expanded Medicaid under the ACA. Households near 138% FPL may land in Medicaid instead of Marketplace APTC.
Open enrollment
Federal Marketplace OEP runs November 1 through January 15 for plan year 2026. Coverage effective dates follow Healthcare.gov rules for enrollments completed by December 15 and January 15.
Carriers in this state
Issuer rows come from CMS filings. Browse all carriers in HI.
Issuer 31358
Humana
1 state
Issuer 54459
American Medical Security Life Ins Co
1 state
Issuer 39261
Golden Rule Insurance Company
1 state
Issuer 92066
MAMSI Life and Health Insurance Company
1 state
Issuer 36850
PacifiCare Life Assurance Company
1 state
Issuer 56005
Trustmark Insurance Company
1 state
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