Hawaii health insurance tips


Hawaii insurance law and regulation

The Hawaii Department of Commerce and Consumer Affairs Web site contains the entire text of the state’s insurance statutes and administrative rules (both current and proposed). The state does not maintain online  resources specifically designed to help individuals find commercial low cost health plans like mini-med or core coverage, specific illness policies, Supplemental Accident Insurance and basic health insurance.
The state insurance department can be reached by telephone at (808) 586-2790 or by mail at P.O. Box 3614 Honolulu, Hawaii 96811. The state children’s health insurance plan (CHIP) Web site is My Benefits.

News that affects your health insurance and planning

June 16, 2019 – Status of alternative non-ACA health plans: Hawaii does not require individuals to maintain adequate health coverage. The state provides no premium or cost-sharing subsidies for individual market coverage and permits insurers to sell non-compliant transitional policies in the individual market. Hawaii limits the sale of short-term coverage more strictly than the federal government. A maximum policy of 3 months is allowed on an initial policy but multiple policies are allowed.

January 1, 2019 – Beginning today, Hawaii will allow doctors to provide fatal prescription medicine to terminally-ill patients who make several requests. Six other states and DC now allow this.

The history of health care planning in Hawaii (Information is outdated and links may be expired)

There were 72,600 diabetics reported in Hawaii as of the end of 2007, according to the most recent data available from the Centers for Disease Control and Prevention. The number of diabetics is expected to increase significantly each year through at least 2025. Iowa statute HI ST §432:1-612 requires regulated health plans to include coverage for diabetes. Yet diabetics face difficult challenges finding and keeping individual health insurance. For those not eligible for Medicare, Medicaid or employer-provided group coverage, the health plan choices are severely limited. Freedom Benefits offers a range of reference materials to help explain the laws that govern this area of health insurance as well as a list of specific insurance plans and other coverage options.