Hawaii Health Insurance

Hawaii residents know one of the most important budget aspects of acquiring health care insurance is what the out-of-pocket expenses will be.

Typically the most common type of out-of-pocket expense in a health insurance policy will be your co-pay. A co-pay is the amount you pay to the medical care provider each time you visit. With most plans your co-pay is a relatively low amount, but in some plans the co-pay can be much higher. This is the reason it’s important to know ahead of time what the costs will be. Comparing health insurance plans line-by-line will give you the information you need to make an educated decision on which health insurance plan will suit your needs and budget.

Are you ready to compare Hawaii health insurance plans? If so, you can get free quotes and compare plans by using our simple form below.

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Resources on this page

Health Insurance Laws and Regulations in Hawaii

Public Programs for Hawaii Residents

Hawaii High Risk Pools

Hawaii Health Insurance Companies

Contact Info for the Hawaii Insurance Department and Department of Health

Hawaii Health Insurance Stats

Hawaii Residents: 1,308,000
Median Annual Household Income: $59,605
Hawaii Health Care Expenditures (in millions): $8,833
Households with at least 1 full time worker: 582,300
Hawaii Health Insurance Coverage based on Total Population (%):

  • Employer: 54%
  • Individual: 4%
  • Medicaid: 18%
  • Medicare: 14%
  • Uninsured: 8%
Avg. Annual Employee Premium in Hawaii employer-sponsored plan (after employer contrib.): $546
Avg. Monthly Hawaii Individual Premiums: $232
Total Hawaii HMO Enrollment: 720,381

Hawaii Health Insurance Laws and Regulations

Hawaii health insurance law provides important protections for residents and requires all plans to cover certain health care services.

State residents are guaranteed access to Hawaii health insurance plans if they are HIPAA-eligible. HIPAA is a federal law that protects individuals as they search for a health plan after they have left a group plan with an employer.

Residents are also protected by COBRA, which is a federal law that gives former employees the right to stay on their employer's group plan for a temporary period after their employment ends.

Hawaii health insurance plans also have guaranteed renewal in Hawaii. That means insurance companies must continue coverage as long as the policyholder pays premiums, and they cannot cancel coverage if a member becomes sick or gets injured.

The health care services that are required by Hawaii health insurance law to be covered include:

  • Mammograms for women over 40 years old
  • Care for diabetes
  • Alcohol and drug treatment services
  • Care for mental health conditions

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Hawaii Public Programs

The state offers the following Hawaii health insurance assistance programs to help low-income residents obtain health coverage.

  • Medicaid
    Hawaii maintains two main Medicaid programs: Hawaii QUEST and Medicaid Fee-For-Service. Medicaid Fee-For-Service is available for residents who are blind, disabled, or over 65 years old. Hawaii QUEST is for all other low-income individuals and families. To learn more about Med-Quest, visit them online.

  • Keiki Care
    For uninsured children under the age of 19, Keiki Care provides basic coverage administered by HMSA Blue Cross Blue Shield. And for more information on this Hawaii health insurance program for children, click here. As of 2009, however, this program will no longer be available. Governor Linda Lingle has cut its funding.

  • Hawaii Breast and Cervical Cancer Control Program
    Low-income women living in Hawaii have access to free screening for breast and cervical cancer. Women diagnosed with cancer through this program are eligible for full health insurance coverage through the state's Medicaid program. Click here for more information about this Hawaii health insurance program.

  • Hawaii Medicare
    Seniors can get Hawaii health insurance coverage through Medicare Supplement, Advantage and Original Medicare.

Hawaii early retirees and trade workers may also qualify for the Federal Health Coverage Tax Credit, which pay 65 percent of health insurance premiums. Learn more from the Internal Revenue Service (IRS).

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Hawaii Health Insurance High Risk Pools

The Patient Protection and Affordable Care Act established temporary high risk pools for individuals who have pre-existing conditions and need health insurance.

The Pre-Existing Condition Insurance Plan (PCIP) in Hawaii is not a public program and will require enrollees to pay monthly premiums and out-of-pocket costs similar to standard Hawaii health insurance policies.

Enrollees in the Hawaii PCIP will pay about the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly premiums will be $215 for ages 0 to 34; $258 for ages 35 to 44; $330 for ages 45 to 54; $459 for ages 55 and older. There will also be a $2,500 deductible with an out-of-pocket limit set at $5,950 a year.

Hawaii residents with medical conditions will have health insurance coverage for doctor and hospital visits, prescription drug coverage, emergency services and more.

People are eligible for Hawaii PCIP if they are a United States citizen, have a pre-existing condition and have been without health insurance for at least six months.

For more information on the Hawaii health insurance high risk pools visit http://www.healthcare.gov/index.html.

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The following list of companies offer Hawaii health insurance plans:

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Get Assurant Health Health Insurance in Hawaii

Kaiser Permanente Health Insurance

Kaiser Permanente is the nation's largest non-profit health insurance provider with 8.2 million members across 9 states in the U.S.

Get Kaiser Permanente Health Insurance in Hawaii

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Hawaii Insurance Department and Department of Health

Find the contact information for the Hawaii health insurance and health departments at:

Hawaii Insurance Division
Office: King Kalakaua Building
335 Merchant Street, Rm. 213
Honolulu, Hawaii 96813
Mailing address: P.O. Box 3614
Honolulu, Hawaii 96811

Hawaii Department of Health
1250 Punchbowl Street
Honolulu, Hawaii 96813
Phone: (808) 586-4400

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