About Health Insurance in Hawaii

Though Hawaii has a law that requires employers to pay for all their employees’ health insurance, you may be self-employed or unemployed and need an individual plan. East Coast Health Insurance provides individual medical care through Kaiser Permanente and HMSA. There are also Hawaii Medicaid plans available through the Hawaii QUEST program.


  • Total Population: 1,228,900
  • Total Uninsured Population: 94,500 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,755
  • Average State Premium for Individual Health Insurance: $232

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Hawaii

East Coast Health Insurance simplifies the process of getting a quote. Start by entering your zip code above, or for extra assistance you can speak with one of our experts on the islands of Hawaii to find the best rates for you over the phone at 888-803-5917.


  • Hawaii QUEST, as provided by HMSA can be reached for questions at 948-6486 or 1 (800) 440-0640 toll-free.


Hawaii Health Insurance Market & Laws

Hawaii’s health insurance regulations are like other states, in that once you have a health plan and your term ends, your insurance company must renew the same plan. This applies on the condition that you have not violated your policy terms or missed any premium payments. The guaranteed renewability provision is helpful when your insurance runs out and you wish to keep the same benefits.

Health insurance laws in Hawaii also mandate that newborns and adoptees are placed automatically on their parents’ individual insurance plan for the first 31 days after birth or adoption. If your insurance plan has the capability of coverage for dependents, then this law applies. After the 31 day period, it is necessary to change your policy and officially add a dependent.

Pre-existing conditions are handled with an exclusion period by all health insurance companies, though it is not mandatory. The insurance company has the ability to decide whether or not you will be paying for your pre-existing condition, and how long that will last. In Hawaii, a pre-existing condition is any condition for which you received treatment before you applied for health insurance.

Insurance companies have control over how much you will pay for health insurance or whether to sell it to you at all, based upon your health and age. Like most states, this lenient policy can devastate those in need of coverage, so be aware of your health when you go into apply, and also compare with different companies.


Residents of Hawaii are given the following as mandatory benefits when they have health insurance:

  • Diabetes care
  • Substance abuse treatment services
  • Mental health care
  • Mammograms for women over age 40

For further information on benefits and coverage laws, visit the Hawaii Department of Commerce and Consumer Affairs insurance site.




1. Kaiser Family Foundation, “Hawaii – State Health Facts”. www.statehealthfacts.org

2. Hawaii Department of Commerce and Consumer Affairs. hawaii.gov/dcca/ins

3. Health Insurance In-Depth, “Hawaii Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Hawaii.html