Hawaii Health Insurance
Typically, Hawaii is one of the country’s healthiest states, ranking in the top three year after year. However, that doesn’t mean that you don’t need health insurance in Hawaii. You could still fall ill or be involved in an accident, making it necessary that you have Hawaii health insurance coverage to pay for your bills. Before you start shopping, though, take a moment to learn about health insurance in the Aloha State so that you understand your rights.
Hawaii Health Insurance Basics
In Hawaii, almost 90% of employers offer health insurance coverage to their employees. That’s good news, since it is much easier to be approved for a group health insurance policy than it is to find individual health insurance. As in most states, there are certain mandated benefits that all Hawaii health insurance plans must include.
In this includes:
- One-time in-vitro fertilization
- Annual mammography services after the age of 40
- Contraceptive supplies
- Hospice treatment
- Diabetes supplies
- Mental illness
- Alcohol and Drug Treatment
In addition, according to Hawaii health insurance laws, your coverage cannot be canceled if:
- You file a complaint,
- Contract a serious illness or get injured, or
- Are a victim of domestic abuse.
There are also strict laws regarding children, and all newborns and adoptive children are covered under their parents’ Hawaii health insurance.
Hawaii Health Insurance Law
The reason why most Hawaii residents have health insurance is because this state passed a law called the Prepaid Health Care Act. This law says that all employers must provide health insurance to anyone who works at least 20 hours a week for four weeks in a row, earning at least 86.67 times the minimum wage.
You cannot be excluded for preexisting conditions with this law!
Because most people work at least part-time, this health insurance law is the reason why over 90% of all Hawaii residents have a Hawaii health insurance policy covering them and their families.
In Hawaii, the Department of Commerce and Consumer Affairs is the government entity that regulates health insurance. This department, located in Honolulu, has tons of information for consumers, including “Insurance U,” an educational part of their website that is meant to help new consumers find information regarding health insurance.
Getting Hawaii Health Insurance If You’re Not Currently Covered
If you are one of the state’s residents and do not have Hawaii health insurance, you do have options. These include the following programs :
- Hawaii Covering Kids : Hawaii health insurance for kids
- Hawaii Quest : Commonly referred to as Quest, administered through the Dept. of Human Services.
- Hawaii Sage Plus : Free health insurance information for Hawaii residents.
- Hawaii Medicaid : Health insurance for low income residents of the state.
If you’re in need of Health insurance in Hawaii you check all available rates by filling out our free, no obligation form! We do all the hard work for you and compare all the different health insurance companies policies for you in real time so you can simply select the one that’s best and most affordable for you.
Click any of the links on this page to get started!