KP HI Gold 1000 Ded/250 Rx Ded
Starting at
$568
/month before subsidy
KP HI Gold 1000 Ded/250 Rx Ded is a 2026 Gold HMO health insurance plan from Kaiser Permanente, sold on the ACA Marketplace in Hawaii under plan ID 60612HI0110011. The monthly premium starts at $568 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,000 ($2,000 for a family), and the individual out-of-pocket maximum is $8,700 ($17,400 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 60612HI0110011
- Plan year
- 2026
- State
- Hawaii
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,000
Family: $2,000
Out-of-Pocket Max
$8,700
Family: $17,400
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
$3,270
your estimated cost
- Deductible
- $1,000
- Copays
- $20
- Coinsurance
- $2,200
Managing type 2 diabetes
A year of routine care
$1,100
your estimated cost
- Deductible
- $0
- Copays
- $700
- Coinsurance
- $400
A simple fracture
ER visit + follow-up
$1,700
your estimated cost
- Deductible
- $1,000
- Copays
- $500
- 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
$1,293/month
Annual Premium
$6,816
OOP Maximum
$8,700
💡 What this means:
With a $1,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,700 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 0/40 Plus CAMfrom $603/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 1000 Ded/250 Rx Ded
How much does KP HI Gold 1000 Ded/250 Rx Ded cost per month?
KP HI Gold 1000 Ded/250 Rx Ded from Kaiser Permanente starts at $568 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 1000 Ded/250 Rx Ded?
The individual medical deductible is $1,000, and the family deductible is $2,000. 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 1000 Ded/250 Rx Ded?
The most you would pay in a year for covered in-network care is $8,700 for an individual and $17,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is KP HI Gold 1000 Ded/250 Rx Ded HSA-eligible?
No. KP HI Gold 1000 Ded/250 Rx Ded 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 1000 Ded/250 Rx Ded use?
KP HI Gold 1000 Ded/250 Rx Ded 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.