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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