Medical/Rx Benefits

Hawaii Medical/Rx Benefits Benchmarks

Real plan data from verified employers in your state

Verified Data
129Employers
462Plans
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Medical/Rx benchmarks

Employee Benefits in Hawaii

Updated October 2026

Medical benefits typically represent the largest share of employer benefit spending and are a key factor in employee recruitment and retention.

Our database includes 129 employers in Hawaii offering 462 verified benefit plans. PPO plans are the most common (39% of employers), followed by HDHP (37%). Funding approaches are mixed, with fully-insured (51%) and self-insured (42%) both common. Most employers offer three or more plan options to employees (70%).

Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.

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Hawaii plan design & cost benchmarks

In-Network Cost Sharing: sample layout
In-Network Benefits
LimitedBalancedRobust
Your Plan
Individual Deductible
$504
$2,017
$2,560
$2,01752Bal
Family Deductible
$1,768
$3,482
$5,304
$3,48252Bal
Individual OOP Max
$3,672
$4,525
$6,290
$4,52552Bal
Family OOP Max
$7,178
$9,779
$14,000
$9,77952Bal
Coinsurance
14%
18%
29%
18%52Bal
Primary Care
$20
$39
$50
$3952Bal
Specialist
$41
$51
$68
$5152Bal
Emergency Room
$174
$316
$436
$31652Bal
Urgent Care
$58
$68
$93
$6852Bal

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Real plan-design and cost benchmarks for hawaii, with percentile rankings and exportable data.

What's inside the full report
In-Network Cost Sharing

Deductibles, copays, coinsurance & out-of-pocket maximums

Employee Contributions

Monthly employee premium contributions by tier

Gross Premium Rates

Total monthly premium costs by coverage tier

Prescription Drug Coverage

Rx copays, deductibles & mail-order options

Plus full benchmarks for Life, Voluntary Life, Short- & Long-Term Disability, and Stop-Loss.

Percentile rankings (25th / 50th / 75th)
Live, real-time data (this preview refreshes monthly)
Exportable to PDF & CSV

Plan Type Mix

% of employers offering each

VERIFIED
PPO39%
HDHP37%
HMO13%
POS6%

Plan Funding

% of employers by funding

VERIFIED
Fully-Insured51%
Self-Insured42%
Level-Funded7%

Plans Offered

% of employers by plan count

VERIFIED
Three or More Plans70%
Two Plans22%
One Plan9%

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