KP HI Gold 0/40 Plus CAM
Starting at
$603
/month before subsidy
KP HI Gold 0/40 Plus CAM is a 2026 Gold HMO health insurance plan from Kaiser Permanente, sold on the ACA Marketplace in Hawaii under plan ID 60612HI0110007. The monthly premium starts at $603 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $8,900 ($17,800 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 60612HI0110007
- Plan year
- 2026
- State
- Hawaii
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$8,900
Family: $17,800
Coinsurance
30%
You pay after deductible
Network Type
HMO
HIN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$2,570
your estimated cost
- Deductible
- $0
- Copays
- $20
- Coinsurance
- $2,500
Managing type 2 diabetes
A year of routine care
$1,200
your estimated cost
- Deductible
- $0
- Copays
- $800
- Coinsurance
- $400
A simple fracture
ER visit + follow-up
$1,200
your estimated cost
- Deductible
- $0
- Copays
- $1,000
- Coinsurance
- $200
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,345/month
Annual Premium
$7,236
OOP Maximum
$8,900
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,900 total. Then insurance covers everything else for the year.
More plans from Kaiser Permanente in Hawaii
- KP HI Bronze 6000/65 Plus CAMfrom $448/mo
- KP HI Standard Bronze 7500/50from $414/mo
- KP HI Silver 3000 Ded/600 Rx Ded Plus CAMfrom $559/mo
- KP HI Silver 4000 Ded/600 Rx Dedfrom $543/mo
- KP HI Standard Silver 6000/40from $533/mo
- KP HI Gold 1000 Ded/250 Rx Dedfrom $568/mo
- KP HI Standard Gold 2000/30from $542/mo
- KP HI Platinum 0/5 Plus CAMfrom $697/mo
Frequently asked questions about KP HI Gold 0/40 Plus CAM
How much does KP HI Gold 0/40 Plus CAM cost per month?
KP HI Gold 0/40 Plus CAM from Kaiser Permanente starts at $603 per month before any subsidy in Hawaii. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for KP HI Gold 0/40 Plus CAM?
The individual medical deductible is $0. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for KP HI Gold 0/40 Plus CAM?
The most you would pay in a year for covered in-network care is $8,900 for an individual and $17,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is KP HI Gold 0/40 Plus CAM HSA-eligible?
No. KP HI Gold 0/40 Plus CAM is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does KP HI Gold 0/40 Plus CAM use?
KP HI Gold 0/40 Plus CAM is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.