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Reviewed by John Caruso, FSA, MAAA • Data last updated

Cholesterol Test Cost in Hawaii (2026): Average Prices & What You'll Pay

What does a cholesterol test cost in Hawaii?

You could pay $67 or $123 for the same cholesterol test in Hawaii - depending entirely on which facility you choose. The median cash price across 19 reporting hospitals is $116. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.

Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.

Where cholesterol test costs vary in Hawaii

Pins show hospitals with price-transparency data (colored by vs. state average) and nearby outpatient clinics and other facilities (colored by type). Click any pin for facility name and estimated cost range.

Hospital (below avg) Hospital (above avg) Click a pin for details.

26+ people checked prices near them this month.

What you pay for a cholesterol test depends on where you go and what is billed separately. Most patients find out after.

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Cheapest Cholesterol Test Providers in Hawaii

Based on declared cash/self-pay prices from CMS hospital price transparency files.

# Facility City Price vs median ($116)
1 Kau Hospital Pahala, HI $67 $49 below
2 Honokaa Hospital and Skilled Nursing Facility Honokaa, HI $67 $49 below
3 Samuel Mahelona Memorial Hospital Kapaa, HI $100 $16 below
4 Molokai General Hospital Kaunakakai, HI $102 $14 below
5 The Queens Medical Center Ewa Beach, HI $116 $0 above
6 Kona Community Hospital Kealakekua, HI $118 $2 above
7 KAISER FOUNDATION HOSPITAL - MOANALUA Honolulu, HI $120 $4 above
8 Maui Health System A Kaiser Foundation Hospitals LLC Lanai City, HI $123 $7 above

Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.

Before you book: three questions that change the price

  1. Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
  2. Can you give me the price in writing, with the billing codes it covers?
  3. What happens to the price if something extra is needed during the procedure?

Estimate your out-of-pocket cost →  ·  When the bills arrive, we check them for errors →

Quick take

  • Kau Hospital is the lowest-cost option at $67 - $49 below the median posted price ($116), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $116, and it's often lower than what insurance pays before your deductible is satisfied.
  • Independent and doctor-office labs often charge much less than hospital labs for the same test and may not appear in this hospital-only dataset. Ask where your plan sends lab work.
Cholesterol test prices by coverage in Hawaii, October 2026
CoverageHospitals with a rateTypical rangeMedian
With insurance (commercial, average)18$22 to $102$30
Without insurance (cash price)21$27 to $155$116
HMSA8$29 to $33$29
UnitedHealthcare5$13 to $19$19

Rates are negotiated allowed amounts and cash prices from hospital price-transparency files (October 2026), shown at each hospital’s lowest-priced typical billing code for this procedure. Facility fees only. The typical range is the middle 80% of hospitals, not a quote for your visit.

How much does a cholesterol test cost with insurance in Hawaii?

Across 18 Hawaii hospitals, the negotiated rates commercial insurers pay for cholesterol test average $22 to $102 per hospital, with a median near $30. That is the amount your plan and you pay the hospital together; you owe your deductible, then coinsurance, up to your out-of-pocket maximum.

Each hospital’s figure is the average of the commercial insurers it lists. Medicare, Medicare Advantage and Medicaid rates are excluded.

How much does a cholesterol test cost without insurance in Hawaii?

Cash (self-pay) prices for cholesterol test at 21 Hawaii hospitals range from $27 to $155, with a median of $116. Ask for the cash or self-pay price and for any financial-assistance discount before you book; both can be lower than the posted price.

Cash prices are the hospital’s published discounted rate for patients paying without insurance.

How much does a cholesterol test cost with HMSA in Hawaii?

HMSA negotiated rates for cholesterol test at 8 Hawaii hospitals range from $29 to $33, with a median near $29. Your own cost depends on your plan’s deductible and coinsurance, and on whether the hospital is in your network.

Includes Blue Cross and Blue Shield and Anthem plans listed by each hospital.

How much does a cholesterol test cost with UnitedHealthcare in Hawaii?

UnitedHealthcare negotiated rates for cholesterol test at 5 Hawaii hospitals range from $13 to $19, with a median near $19. If a hospital is out of network for your UnitedHealthcare plan, you may owe more than the negotiated rate, so check the network first.

How where you go changes what you pay for cholesterol test

The same cholesterol test bundles different services depending on the setting - facility fee, surgeon fee, and anesthesia each arrive as separate bills. Estimated ranges below reflect the typical full bundled cost, including all expected charges.

Hospital Outpatient
$13–$675
  • Facility fee $13–$675

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$13–$123
  • Facility fee $13–$123

Estimated from CMS fee schedules + commercial rate multipliers

Hawaii's island geography creates isolated health economies - each island is effectively its own market, and most specialized care on neighbor islands requires inter-island travel. Kaiser Permanente Hawaii and Hawaii Pacific Health cover most of the Oahu market. Transport and logistics costs embedded in hospital operating expenses push prices well above the mainland average for comparable services.

Received a bill? Check it for errors → Estimate YOUR cost before you go → Managing more than one bill? See the family tracker →

Why prices vary - and what it means for your coverage

A small number of hospitals (1) report prices above $253, including Queens North Hawaii Community Hospital at $205, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Setting matters too: the median outpatient price is $116 versus $120 inpatient, so where a procedure happens often matters more than which hospital you pick.

On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.

Your situation Estimated out-of-pocket
Deductible not yet met ~$116
Deductible met - 20% coinsurance ~$23
Out-of-network provider $255+

Frequently asked questions: cholesterol test costs in Hawaii

How much does a cholesterol test cost in Hawaii?

The typical insurer-negotiated rate is $13, with most facilities between $13 and $13 (based on 19 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Hawaii hospitals run $27–$155; outlier facilities above and below that range are left out. What you pay depends on the facility, your insurance, and whether you have met your deductible.

Where is the cheapest place to get a cholesterol test in Hawaii?

Based on declared prices, the lowest posted price in our Hawaii data is Kau Hospital in Pahala at about $67. By metro, Honolulu has the lowest median ($125).

Why is a cholesterol test so much cheaper at some Hawaii hospitals?

Typical prices vary about 57.8× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Hawaii, the median cash (self-pay) price is $116 versus a median negotiated rate of $30 - about 3.9× higher. Asking for the cash price as well as your insurer's negotiated rate is often the single biggest lever on what you pay.

How much will I actually pay out of pocket for a cholesterol test in Hawaii?

Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.

Before you book

Other procedures in Hawaii

Cholesterol Test, elsewhere

CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).

Other Procedure Costs in Hawaii

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Imaging and scans

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Sleep and breathing tests

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General surgery

Ear, nose and throat

Urology and women's health

Eye care

Infusions

Emergency care

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About the Author

John Caruso, FSA, MAAA

Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.

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Published October 29, 2026 · Updated October 29, 2026

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