Hawaii Health Insurance

Find the right health insurance policy for you.

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If you talk about health insurance with friends, coworkers, or family members, many times you'll be met with eye-rolls and sighs of exhaustion. With the adoption of the Affordable Care Act, many United States residents have struggled to figure out which coverage works best for them. Health insurance can be a confusing topic, but once you know the basics, you'll be able to make a more informed choice about your healthcare.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

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Health Insurance Statistics for Hawaii

  • In 2012, over 90% of Hawaiian residents had health insurance.
  • Hawaii and Maine have the lowest percentage of individuals without health insurance.
  • Hawaii ties with North Dakota for the lowest healthcare costs.
  • Hawaii has the lowest medicare costs per beneficiary in the nation.

Since 1974, Hawaii state law dictates that if you work 20 hours or more per week, your employer must offer you health care. That being said, some residents still find maintaining health insurance a difficult task. While an employee-sponsored plan may seem like the best option, you may be able to save even more on an individual medical insurance plan.

What Types of Health Insurance Are Available in Hawaii?

There are many different plans available to Hawaii residents. Below is a list of the most common types of plans:

  • Preferred provider organizations: PPO plans allow you to choose a primary care provider from a large list of medical professionals. You can see specialists without a referral, and you will most likely pay a co-pay. PPO plans are typically more expensive than HMOs.
  • Health maintenance organizations: HMO plansrequire members to choose a primary physician who operates within the HMO network. In order to see a specialist, you need a referral from your primary care provider. You may see an out-of-network physician; however, your costs may be higher. 
  • High deductible health plan/health savings accounts: HSA plans are usually affordable thanks to a high deductible. Routine preventive care is normally covered; however, with a high deductible, if you require more than normal care, you'd be wise to find a different plan. 
  • Point of service plans: These plans allow you to visit any practitioner; however, you must payall your costs out of pocket, and then submit your receipts to the health insurance company in order to request reimbursement.

Are Other Medical Insurance Coverages Available in Hawaii?

Many health insurance plans have gaps that are worrisome. From cancer care to long-term care options, many supplemental forms of health insurance are available. Below is a list of the most common supplemental coverages:

  • Medigap: If you or a family member are enrolled in Medicare, this insurance can help cover the gaps for benefits that Medicare can't cover.
  • Supplemental hospital insurance: This coverage may also be termed a hospital indemnity plan, and can offer coverage if you unexpectedly find yourself in the hospital. This coverage can work to cover transportation, living expenses, and even childcare.
  • Supplemental canceriInsurance: While difficult to think about, cancer can happen to anyone, and cancer treatments are expensive. The American Cancer Society estimates that 67% of total cancer costs are non-medical and often aren’t covered by regular health insurance.This supplemental coverage can help pay for radiation, chemotherapy, prescription drugs and air travel. 
  • Accidental death: This insurance is recommended for those who are involved in high-risk activities or employment.  The policy can  offer a death benefit to your family if you are killed in an accident.
  • International policies: If you find yourself spending time overseas, this insurance can ensure that you'll have coverage while traveling.

What Will My Medical Insurance Quote Look Like in HI?

The costs of medical insurance vary greatly, since the needs of you and your family aren't the same as other Hawaiian residents. Additionally, you or a family member may have medical needs or face risks that require special insurance coverage. However, when shopping for health insurance either online or in person, it's important to be familiar with some basic facts, including the following:

  • Number of family members
  • Where you live
  • Type of care preferred
  • Any known medical issues
  • Medical histories
  • Driving records
  • Drug/alcohotTobacco use
  • Most recent medical records
  • Past medical records
  • Desired coverages
  • Desired deductible
  • Desired co-pays

All of the above factors will be used to give you an accurate health insurance quote.

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Are Discounts Available on Health Insurance Policies in HI?

Typically, there are no standard discounts for health insurance; however, there are things you can do to lower your out-of-pocket costs. Here's a list of some of the most affordable ways to lower your health insurance costs:

  • Lose weight
  • Quit smoking
  • Enroll in a wellness program
  • Manage your health by staying as active and healthy as possible
  • Raise your deductible or co-pay amounts
  • Enroll in a group plan

Get Covered With Health Insurance in Hawaii Today

Having health insurance covering you and your family can offer you peace of mind that no matter what medical concerns land at your feet, you have coverage. A Trusted Choice® agent can help you find coverages, suggest policy modifications, and even help you find supplemental coverages.

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