Maui - Pali area on the way to Lahaina. There is a spot boats like to take snorkelers to called the "Coral Gardens" only about 10fsw, but if you don't mind a long surface swim, or have access to kyaks heading straight out from there is the most beautiful coral reef I have seen yet on Maui (though there may be even better ones yet). Directions - heading around the Pali area (Hwy 30) toward Lahaina. After going through the tunnel pull off at the first beach area (obviously on the water side) it is about 1-2 miles after the tunnel. You can either walk 200 yards up the highway (there is actually a small pull off where you can park) and follow a small footpath down the slope and across the rocks or you can swim out from that beach about 400-500 yards at a 45* angle heading SE. The vis by shore is frequently only 5-10ft but it starts clearing up about 200 yards off shore and by the time you get to the descent point (about 20fsw) it's about 50 ft vis. The reef slopes quickly down to more than 100fsw with visability in the 100ft range by that point as well - lots of variety of coral including some beautiful plate coral. Lots of grouper (sea bass) including some very large 30-40 pounders as well as the usual eels, and other reef fish. If not entering at the sandy beach be careful as the surf can pick up making the exit along the rocky area dangerous (so be ready for a long surface swim to the sandy beachhead either way)
Aloha, Tim