Hawaii residents shopping for individual health coverage use HealthCare.gov, the federal marketplace, since the state closed its own small exchange years ago and moved to the federal platform.
Hawaii has expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for the state's Medicaid program, known as Med-QUEST, instead of needing a marketplace plan.
Hawaii also has a long-standing state law requiring most employers to offer health coverage to employees working over a certain number of hours, which means fewer residents rely on the individual marketplace compared to many other states. People who are self-employed, part-time, or between jobs are the ones most likely to need a HealthCare.gov plan or Med-QUEST coverage.