Hawaii Health Insurance
As a resident of Hawaii, you have plenty of Hawaii health insurance options to choose from. There are multiple insurance companies in Hawaii that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Hawaii. See some of the state's top health insurance companies and read about the important Hawaii health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Hawaii health insurance programs.
Not resident of Hawaii? Find your state here.
If you would like to get free quotes and compare Hawaii health insurance plans now, start with our simple form on the left.
Resources on this page
Health Insurance Laws and Regulations in Hawaii
Public Health Insurance Programs for Hawaii Residents
Hawaii Health Insurance High Risk Pools
Hawaii Health Insurance Companies
Contact Info for the Hawaii Insurance Department and Department of Health
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
Hawaii Public Health Insurance 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).
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.
The following list of companies offer health insurance plans in Hawaii:
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.
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.
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
http://hawaii.gov/dcca/areas/ins/
Hawaii Department of Health
Kinau Hale
1250 Punchbowl Street
Honolulu, HI 96813
Phone: (808) 586-4400
http://hawaii.gov/health/
