Hawaii Insurance Policies

→ Click here for KP rates or here for HMSA rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee:

• You are guaranteed the right to purchase an individual health insurance policy from any private insurer operating in Hawaii
• No pre-existing condition exclusion periods or elimination riders can be imposed on your individual health insurance policy
• You must be offered a choice of at least two plans sold by individual health carriers

HIPAA Eligibility

To be HIPAA eligible in Hawaii, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

Who provides health insurance in Hawaii?

Two carriers dominate Hawaii’s health insurance market: Hawaii Medical Service Association (HMSA) and Kaiser Permanente (KP), an HMO provider. For HMSA premiums, click here. For Kaiser Permanente premiums, click here.

HIPAA Qualified Health Plan Highlights

The Hawaii Medical Service Association Plan includes High and Basic Options. For highlights click here.

The Kaiser Permanente HMO Plan includes unlimited lifetime benefits. For plan highlights click here.

Contact information for health insurance

Blue Cross/Blue Shield

(800) 618-4672 (in-state only)

Kaiser Permanente

(800) 207-5084

Hawaiian Insurance Division

(808) 586-2790

You should also review the information provided online by the Hawaii Department of Commerce & Consumer Affars, or via phone at (808) 586-2790 or (808) 586-2799.

Special insurance for children: Quest

• Do you qualify? See Eligibility
• For more information, view the Fact Sheet
• Questions? Call (808) 586-4997