Health Insurance Carriers in Hawaii (HI)
Hawaii health insurance carriers offer plans specific to Hawaii residents. We’ve outlined information below about health insurance carriers in Hawaii and listed a couple links to recommended providers.
Health Insurance Providers in Hawaii
Clarendon National
Kaiser Permanente
Security Life
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Individual Health Insurance in Hawaii
- An individual policy is guaranteed to anyone HIPAA eligible.
- If not HIPAA eligible, providers can deny an application.
- There are no limitations on cost for an individual policy.
- If not HIPAA eligible, pre-existing conditions can be excluded from insurance permanently via an exclusion rider.
- There is no legal definition of ‘pre-existing condition’ in Hawaii law in regard to individual health insurance. Terms for exclusion periods, therefore, are vague.
- An exclusion period of up to three years is normal.
- Pregnancy can be classified a pre-existing condition.
- Individual policies cost more if an applicant has a health problem.
- Coverage cannot be cancelled if the policy holder becomes ill.
Self-Employed Health Insurance in Hawaii
- The self-employed may not buy a group insurance plan.
- For rules regarding professional associations with group health coverage availability, contact the Hawaii Insurance Division.
Group Health Insurance in Hawaii
- An employee who works 20 plus hours per week must be offered group coverage after the fourth week of employment.
- The employer must pay at least half the premium.
- If an applicant has a pre-existing condition, providers can’t exclude them from group coverage for any length of time.
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Small Business Health Insurance in Hawaii
- Small businesses applying for group coverage cannot be denied due to the health of someone in their employ.
- There are no limits on the premiums for group insurance bought by small businesses.
- When time for renewal, coverage cannot be cancelled due to the health of someone in the group.
- Pre-paid group health plans must be offered to every small business.
Hawaii Health Programs
State of Hawaii Insurance Division
PO Box 3614
Honolulu, HI 96811
(808) 586-2806
www.hawaii.gov/dcca/areas/ins
Hawaii QUEST and Medicaid are available to assist low income individuals.
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