Helping local families and businesses save money on health insurance for 2025/2026!
Health coverage that fits real life & your budget
From comprehensive ACA plans to smart cash‑benefit coverage, we help you choose the mix that protects your health and your wallet.
4 Options at a Glance
ACA Traditional Health Insurance
- What it is: Comprehensive major medical that includes preventive care and essential health benefits.
- Why people choose it: Broad coverage, doctor networks, tax credits may lower your monthly cost.
- Best for: Individuals & families who want the fullest medical protection available.
Affordable Choice (Fixed‑Benefit Medical)
- What it is: A set cash amount is paid for covered services like office visits, labs, ER, etc.
- Why people choose it: Predictable, budget‑friendly way to handle everyday care.
- Best for: People who want lower premiums and value paying less for routine care.
Hospital Indemnity
- What it is: Cash paid directly to you for hospital stays, surgeries, and related care, on top of any other insurance.
- Why people choose it: Helps cover deductibles, coinsurance, and non‑medical bills when hospitalized.
- Best for: Anyone who wants extra financial cushion for unexpected hospital events.
Cash‑Benefit Add‑ons
- What it is: Accident, Critical Illness, and Out‑of‑Pocket plans that cut the cost shock from injuries, diagnoses, and high deductibles.
- Why people choose it: Fast, flexible cash to help with medical bills and everyday expenses.
- Best for: Families, active lifestyles, and anyone with a deductible.
- Link: Learn about Cash‑Benefit Add‑ons
A New Health Insurance Option For Families & Self-Employed
What is Affordable Choice?
Affordable Choice is a fixed indemnity insurance plan underwritten by ManhattanLife, offering guaranteed daily benefits for hospital stays, surgeries, and routine medical services, regardless of provider charges. With no deductibles, 1st-dollar coverage and a range of plans from Elite Plus to Classic, this plan provides customizable coverage for individuals, families, and businesses in Hawai'i.
Who should consider this new health insurance plan?
This plan is ideal for anyone who meets the following criteria:
- Anyone who does not qualify for MedQuest or tax-subsidies for ACA-plans on healthcare.gov because their income is too high.
- Anyone who wants to save 30%-70% on ACA-plans (which could = $1,000+ in premium savings each month)
- Anyone who is healthy and can pass the 7 underwriting questions.
- Anyone not getting pregnant (excluded on the policy).
- A great fit for self-employed, healthy individuals and families.
- Also good for anyone under 65 who's spouse or partner is aging into Medicare.
Plan Benefits:
- Hospital Confinement Benefits: Up to $5,000 per day for inpatient care.
- Surgery Benefits: Reimbursement for both inpatient and outpatient surgeries, including anesthesia.
- Doctor's Office Visits: Coverage for routine exams with rollover benefits.
- Preventative Services: Includes lab services, physical therapy, and radiology.
- Additional Features: Prescription benefits, cancer treatment coverage, and ambulance services.
Why Choose Affordable Choice?
Affordable Choice delivers flexible coverage at affordable premiums, with discounts negotiated through a broad network of hospitals and healthcare providers. From income protection to superior service, this plan offers peace of mind for self-employed individuals, families, and businesses looking for reliable healthcare solutions.
Affordable Premiums:
With premiums that scale according to age and coverage type, Affordable Choice provides plans that fit any budget. Choose from individual, spouse, child, or family plans.
Rates start out at $67.16/month (for individuals) & $203.45/month (for families)! (((SEE BELOW)))
Affordable Choice Policy Benefits (Hawai'i)*
Additional Benefits (included at no extra cost)
Monthly Premium (Hawai'i)*
