Best Ways To Get Affordable Health Insurance In Hawaii

You see, health care insurance is a good prayer for having a company that takes care of your medical needs.

These needs can come in the form of illness, ambulance service, doctor visits, hospital stays, or during health emergencies such as accidents. So this company helps you save little money for these events.

However, in Hawaii, there are health insurance companies that will serve you better than others. You just have to look for them and let them serve you.

So finding the right health insurance in Hawaii can do you and your family a lot of good. So that in times of health problems or health emergencies, you don’t have to run out of money.

We have compiled for you some real-life findings regarding health insurance in Hawaii. So if you want to move to or reside in Hawaii, you can start working toward your goal of ensuring your health.

In Hawaii, you can find private health insurance plans or small business and group health insurance plans.

Although there are no specific laws that require you to have health insurance coverage in Hawaii, however, it is only good to do the right thing at the right time.

On top of that, the Hawaii government has always promoted health insurance with the Hawaii Prepaid Health Care Act. Most of the time, employers are required to offer group health insurance to their employees.

Interestingly, health insurance in Hawaii has become so diversified that you can ensure your health in different ways.

Either as an employee, on a government-sponsored basis, private health insurance companies, or through the federal exchange.

Earlier this year, there was a slight increase in the health plan in Hawaii; however, the Hawaii Health Services Association still offers one of the cheapest and most affordable health insurance plans. It is only important that you choose the level of health plan that suits your needs.

However, before you finally choose health insurance in Hawaii, the two things you need to consider carefully are your age and mental level.

As you get older, your monthly premium goes up, whether or not you have health problems. When your plan level goes up, your coverage increases.

For example, a healthy twenty-one year old would pay $245 per month if they were using the Bronze level plan.

While, on the other hand, a 40-year-old on the same plan pays $68 more for the same coverage. This just goes to show that the older you get, the higher your monthly health plan coverage. Below is a breakdown of the average monthly cost of health insurance in Hawaii.

Cost of health insurance in Hawaii

Level Age 21 Age 40 Age 60

Catastrophic: $154 $197 $418

Bronze: $245 $313 $664

Expanded Bronze: $281 $359 $763

Silver: $348 $490 $1,042

Gold: $376 $480 $1,020

Platinum: $436 $558 $1,184

For better understanding, “metal level tier” means the category of health plans in health care coverage. Metals are always talked about. Bronze, silver, gold and platinum.

Therefore, if you are looking for the best plan for a senior, it is advisable to go for the platinum plan.

This is because platinum covers 90% of your health. In contrast, the catastrophic coverage is the minimum level and does not have any additional benefits except for three primary care visits in a year.

Health insurance companies in Hawaii

There are health insurance companies in Hawaii that have the best and most affordable plans. These companies, although in Hawaii, offer health plans for millions of people around the world.

Therefore, it is safe to say that Hawaii health insurance companies can be trusted enough to help ensure the health of you and your loved ones.

Kaiser permanent

If you belong to the category of people who love to go above and beyond in what they do, then you have found your match in this company.

Kaiser Permanente is one of the largest and highest-rated health insurance companies in Hawaii.

This company has a network of more than six hundred doctors and specialists in Hawaii. For a good ten years, the company has received massive ratings from the National Committee for Quality Assurance.

Not only that, but its network of specialists and physicians earned a Women’s Choice Award for obstetric and cancer care in 2018. Kaiser offers different health coverage plans for its customers in Hawaii.

United Healthcare

This is another giant in the health insurance industry in Hawaii. Although their plans are mostly short-term, they provide top-tier health care coverage including dental and vision plans. UnitedHealthcare is similarly tied to the Medicare Supplement plan and offers everything ACA approved.

Hawaii Medical Services Association

The Hawaii Health Services Association (HMSA) can proudly present itself as one of the best health care insurance providers in Hawaii.

Their services speak for them as one that provides one of the best health insurance plans in Hawaii. When it comes to pricing, the Hawaii Health Services Association offers very affordable plans that are better than most health insurance companies in Hawaii. Unlike most health insurance companies, HMSA offers vision coverage plans.


Ameritas is affordable and reliable. Plus, they know how to do their job when it comes to health insurance.

Ameritas also offers dental and vision coverage plans at a very low cost. So if you want an affordable yet quality plan with dental and vision plans in Hawaii, Ameritas should be your choice.

Cost Of Health Insurance For Families.

A family of three will not spend the same amount on health insurance in Hawaii. The size and age of your family members will greatly affect the cost of your monthly health insurance plans.

Take, for example, children under the age of 15 who need the minimum amount of money to maintain their health when they are insured. This is not so for a family of four adults.

family size The average monthly cost of health insurance

Individual plus child $784

the couple, 40 years $981

Family of three (adult couple and one child) $1,274

Family of four (adult couple and two children) $1,568

Family of five (adult couple and three children) $1,862

This table is based on the silver health plan in Hawaii

Hawaii Health Insurance Marketplace

Most adult Hawaiians get their insurance from their employers, and others who are not covered by their jobs or family plans get their health coverage through the Marketplace in Hawaii.

Previously, Hawaiians signed up for government health insurance through, but that changed in 2016. Thereafter, the federal government took over the health insurance marketplace.

Health Insurance Requirements for Employers in Hawaii

In Hawaii, employers must provide health insurance coverage to all of their employees. That is if they are not already covered before your employment.

It doesn’t matter if they work part-time or full time, temporary or permanent. As an employer, you are required by law to do what is necessary for your employees.

Hawaii Children’s Health Insurance Program

Children are quite expensive to care for and depend solely on their parents for everything.

Thankfully, the Hawaiian government has established a Children’s Health Insurance Program (CHIP) in Hawaii that provides health coverage for children and, in most cases, for pregnant women.

Families of children who qualify for CHIP must meet certain health insurance requirements.

This program provides very high coverage that covers children for almost all health care services. In addition, children’s health insurance includes services such as vaccinations, dental care, and routine medical checkups.

Going forward, parents are encouraged to enrol all of their children in the Hawaii Children’s insurance program to save on the high cost of taking care of their medical needs.

Hawaii Search

Hawaii has another type of medical assistance program called Hawaii Quest and Medicaid Fee-For-Service.

This medical assistance is for low-income people who reside in Hawaii. Fee-for-service Medicaid covers the insured’s dental plan, while Quest provides coverage for the insured’s medical and mental health.

Pregnant women receive prompt care and are easily eligible for health insurance coverage once they are certified to be truly pregnant.

Med-Quest is funded through the state of Hawaii and the federal Centers for Medicaid and Medicare Services.

Now, to be eligible for the Quest program:

You must live in Hawaii.

must be uninsured

Be 18 or younger than this age

You must be a US citizen or lawfully admitted to the US.

Health Insurance Benefits

In case you still need a little more push to get good health insurance in Hawaii, here it is. Let’s talk about the benefits.

Critical Illness Coverage

Most of the time, these illnesses don’t knock on the door to let you know first. These insurance companies provide you with a plan that helps you treat critical illnesses like stroke, loss of limbs, and heart failure without breaking the bank.

With them, you will receive an amount of money that will cover your hospital expenses while you concentrate on getting better.

Covered Medical Expenses

Some people make trips to the hospital many times a month and throughout the year. Another group of people needs their prescription drugs to be in constant supply.

However, some other people need to be in constant communication with their assigned doctors, nurses, or caregivers.

Whatever it is for you, your insurance covers all these medical expenses up to your dental health. Fortunately, you don’t have to worry about the source of funds for your next medical care.

Cashless Claim Benefit

Most of the time, your health care company works with hospitals. So, to benefit from this, you need to fill out a form and register with such hospitals.

When the need arises, you can just pull out your insurance health card and instantly get the quality health care you need.

Fiscal benefits

Health insurance companies provide tax benefits for your plan. With your health care plan, you become eligible for tax deductions.

Employee Coverage Protection

Most employers have a group health insurance plan for their employees. However, those covers do not have a personal touch.

So, this is one more reason why you should get your health insurance and tailor it to your specific medical needs.


Finally, Hawaii has its fun and beauties, both locals and foreigners take advantage of its wonderful nature. On the other hand, the health maintenance part drifts into the corner without a single thought.

A wise decision requires putting your health and the well-being of your family first, before the fun part. When you settle your health by enrolling in an insurance plan.

You can go ahead and sleep with both your eyes closed and also enjoy the beauties of life with a clearer mind and no health concerns.

It is important to mention that low income should not be a barrier to excellent medical care in times of need. Also, being out of work is still not an excuse.

When you ask the right questions and meet the right people, you can get health care insurance coverage that can serve you well.

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