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🌺 Hawai'i employers: you have unique legal obligations & we
Health insurance premiums increased an average of 12%+ in 2026, and for many Hawai'i employers, the options feel more expensive and less flexible than ever.
You may be dealing with one or more of these right now:
- Premiums going up at renewal, again, without better coverage
- Employees confused about their benefits or underutilizing what's available
- Struggling to attract and retain talent without a competitive benefit package
- Spending hours on enrollment admin that your team doesn't have time for
- Not sure if you're getting the best value from your current carrier
The good news: there are creative solutions available right now, and accessing them costs your company nothing.
Your Complete Employer Benefits Menu
Group Health Insurance
Important Employee Add-on Benefits
Group Health Insurance
Hawai'i-specific strategy + multi-carrier shopping
Dental & Vision
Important Employee Add-on Benefits
Group Health Insurance
Stand-alone or bundled Multiple options available
Important Employee Add-on Benefits
Important Employee Add-on Benefits
Hawai'i Mandatory Employer Insurances
Disability,
Hawai'i Mandatory Employer Insurances
Hawai'i Mandatory Employer Insurances
Hawai'i Mandatory Employer Insurances
TDI, Worker's Comp & General Liability
⚕️ TDI & Compliance
Hawai'i Mandatory Employer Insurances
⚕️ TDI & Compliance
Hawai'i TDI requirements + disability options for W2 & 1099
Worksite Benefit Options
We leverage our insurance relationships for you!
We work with the top carriers & organizations in Hawai'i to provide the best insurance options available. Individuals and companies have seen health insurance premium increases averaging 12% or more this year, regardless of claims experience.
It's even more important to shop around for the best benefit options available, and we have several ways to help you save money while also working to strengthen your overall benefit offering.
Insurance premiums start of as low as $312/month (for individuals)
& $968/month (for families up to 4 people)
Guaranteed-Issue Whole Life Insurance Plan
Our agency provides an exclusive Guaranteed-issue Whole Life plan through Mass Mutual that combines the stability of permanent insurance with worksite enrollment ease. It gives employees a rare opportunity: lifetime protection, guaranteed cash value growth + dividend potential and up to $150,000 in coverage with no medical exams.
Everyone qualifies, regardless of current health conditions!
Rate example: $7.62/week for $50,000 (25-year old, non-smoker)
New AI-based Enrollment Support System
For our valued clients, we also provide access to a new AI-based Enrollment Support System, at no cost to you, that can be used for ALL benefits being offered (your choice) and includes ringless voicemail, SMS/email campaigns, conversational support & scheduling links. This system consistently lowers administrative workload & increases participation in all benefits.
Guaranteed-Issue GAP Plans
This is a powerful benefit & health insurance strategy that is helping companies prepare for the incoming 2026 health insurance premium increases. Implementing a GAP plan allows companies to make changes to current health insurance benefits that significantly lower monthly premiums, and then use some of that premium savings to fund a GAP plan that provides same (or better) total health insurance coverage for their employees.
Rate example: $54/month for $5,000 GAP Benefit (35-year old)
Availability varies per state
Cash Benefits To Protect Employees Financially
These benefits are designed to pay employees directly, regardless of what their other benefits cover, in the event of injuries, sickness, disability situations, hospital stays and major health events like cancer or critical illnesses. They help to cover expenses that regular health insurance was never designed to cover, such as lost income, out-of-pocket costs, travel for treatment OR most importantly, your employees regular monthly bills.
There are multiple solutions available, that include guaranteed-issue or simplified-issue, payroll-deducted or ACH (non-payroll). with contribution scenarios ranging from 100% employer-funded to cost-sharing to 100% employee-funded.
Rates typically range from $2-$8/week for individuals, and just a few dollars more to cover the entire family.
Guaranteed-Issue Options
