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Cost & Benefits

Benefits / Hawaii

Marketplace subsidies in Hawaii

Marketplace premium tax credits in Hawaii use 100 to 400 percent of the 2026 poverty guidelines. Enhanced credits expired January 1, 2026. For four people, the guideline is $37,950. Hawaii has expanded Medicaid, so income at or under 138 percent of poverty is pointed to Medicaid instead. Premium dollars are not estimated. This site does not approve or deny benefits.

Who is inside the 2026 marketplace subsidy range? A household of four is measured against $37,950. Hawaii has adopted the ACA Medicaid expansion.

Urban Honolulu is the ranked metro in Hawaii, with a FY 2027 2-bedroom Fair Market Rent of $2,542.

Hawaii taxes wages at rates up to 11.00%. Combined state and local sales tax is 4.5%. The ACS effective property tax rate is 0.27%.

A household of four with $48,000 of income is about 126 percent of the $37,950 poverty guideline and is unlikely for Marketplace premium tax credits. Unlikely — Medicaid is the closer program.

Limits behind the page

2026 poverty guideline in Hawaii
Household100%138%185%
1$18,360$25,337$33,966
2$24,890$34,348$46,047
3$31,420$43,360$58,127
4$37,950$52,371$70,208

An illustrative household

Two adults, ages 34 and 32, filing jointly, plus children ages 8 and 3. Gross income $48,000 a year, about 126 percent of the poverty guideline in Hawaii. They rent. Nobody is marked disabled or pregnant.

Marketplace premium tax credits

Unlikely

Unlikely — Medicaid is the closer program

  • Enhanced premium tax credits expired on January 1, 2026. This screen uses the 100 to 400 percent of poverty range for premium tax credits and does not estimate a premium dollar amount.
  • Hawaii expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
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Food stamps (SNAP) tools in Hawaii

Last checked: October 15, 2026

Sources

What changed
  • October 15, 2026. The benefit rules file was checked against the sources listed here.
  • January 15, 2026. HHS published the 2026 poverty guidelines in the Federal Register.

Other programs in Hawaii

Large metros in Hawaii

Marketplace subsidies in other states