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Hawaii Health Insurance

According to the Center for Disease Control an average of 9.9% of Hawaiian residents went uninsured for Hawaii health insurance every year between 2001 and 2003.

Hawaii Health Insurance Regulations

Under state regulations Hawaii health insurance companies must guarantee renewability for individuals looking to renew existing Hawaii health insurance plans. As long as the individual has paid all premiums on time and has not provided false information, the Hawaii health insurance company cannot deny the individual to right to renew the policy.

Under Hawaii health insurance laws newborns and adopted children are covered under the parent’s individual health insurance policy for a minimum of 31 days if the policy already provides dependent coverage. Hawaii health insurance policies must be adjusted after this time.

Hawaii health insurance companies can include pre-existing condition exclusion periods which means and individual may not be covered for certain medical conditions that existed prior to the beginning of a new Hawaii medical insurance plan. The pre-existing exclusion period denies the individual a right to claim insurance on the condition for a period of time decided upon by the Hawaii health insurance company. There are some Hawaii health insurance companies that do not apply the pre-existing exclusion periods.

Hawaii health insurance companies cannot deny continued coverage based on the health of an individual. New Hawaii medical insurance policies, however, can be denied based on the health of an individual and may determine eligibility based on the risk involved in insuring the individual. No individual can be denied for Hawaii health insurance if the insurance is provided through an employer. Some of the larger Hawaii medical insurance providers offer individual health insurance policies to everyone who applies. Hawaii health insurance rates vary depending upon the individual and the age and health of that individual.

Alternative Hawaii Health Insurance Options

For those who are ineligible or unable to purchase individual Hawaii health insurance there are some options through state programs:

  • Hawaii Medicaid and Quest - Quest is the Hawaii Medicaid program that has a maximum participation of 125,000 people. Hawaii Medicaid is open to residents that meet qualifying criteria.
  • Children’s Health Insurance Program is the Hawaii health insurance program for children and teens whose families do not qualify for Medicaid but may not otherwise be able to afford Hawaii health insurance.

Hawaii Insurance Division

Mailing Address
Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811

(808) 586-2790
(808) 586-2799
Fax: (808) 586-2806

Residents on the neighbor islands may call the following numbers followed by 6-2790 or 6-2799 and the # sign:
Kauai: 274-3141
Maui: 984-2400
Lanai & Molokai: 1-800-468-4644 (toll free)

For other Hawaii Insurance Resources, See:

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