For Individuals & Families in Hawaii
Health insurance in Hawaii: all four doors
Most people only know about one. Here's every option available to you, who each one actually fits, and where to see real prices.
Start here, because one question changes everything
Before you compare anything, answer this: do you have a DOL number for a business, even a one-person business? If you do, you likely qualify for a group health plan through Kaiser or HMAA, and that is often the strongest coverage at the best price of anything on this page. It is also the one option you cannot shop for online. If that is you, book a call and we will send you a short intake sheet beforehand so we arrive ready with real numbers.
Book a call about group coverageYour options in Hawaii
- 1
Med-QUEST, if your income qualifies
Hawaii's Medicaid program, at little or no cost if you qualify.
- Covers medical, behavioral health, and long-term care
- If this is your best answer, we will say so, even though we are not paid a dime for it.
- 2
The ACA marketplace, if you qualify for a subsidy or need guaranteed coverage
The right door if you qualify for a subsidy or need guaranteed coverage.
- Best fit if you get a premium tax credit, or if medical conditions make approval difficult elsewhere
- Most plans carry high deductibles. Open enrollment runs November through January, though a qualifying life event can open a window any time.
- 3
A group health plan, if you have a DOL number
Employer-grade coverage through Kaiser or HMAA, available to businesses as small as one person.
- Stronger networks and lower deductibles, available year-round
- You cannot shop this one online. It takes a conversation, and it is worth having.
The option most people have never heard of
A fixed benefit medical plan that pays set amounts for doctor visits, labs, ER, hospital stays and more, with no deductible on the base plan and no network restrictions. Enroll any time of year. Built for healthy people who do not qualify for a subsidy and are tired of paying marketplace prices for coverage they rarely use.
Who this is not for
Affordable Choice is not for everyone, and we would rather say so now. It asks health questions, so if you have significant medical conditions you may not qualify. It will not cover a pregnancy, so if you are planning one, this is not your plan. And it is not ACA minimum essential coverage. If you qualify for a subsidy, the marketplace will almost certainly serve you better. But if you are healthy, self-employed, and watching premiums eat your month, this is the option most people have never heard of.
What Affordable Choice actually covers
Set benefit amounts for covered services, no deductible on the base plan, no network restrictions. Sample categories shown; actual amounts vary by plan level.
Doctor visits
A set amount per visit, including specialists
Labs and imaging
Bloodwork, X-rays, MRI, CT and PET scans
Urgent care and ER
Set benefits for both, anywhere in the country
Hospital stays
Daily benefits for admission and confinement
Surgery
Benefits for the surgeon, anesthesia, and the facility
Prescriptions
Pharmacy benefits plus discount pricing
Any provider
No network required. Use the doctors you already have
Year-round enrollment
No waiting for an open enrollment window
Add the Specified Disease Rider for the big what-if
Covers fourteen major conditions including cancer, heart attack, stroke, organ transplant, and joint replacement, up to $500,000 per calendar year and $2,000,000 lifetime after your chosen deductible. It answers the fair question about a plan like this: what happens if something serious hits.
See all fourteen covered conditions
- Amputation
- ALS
- Angioplasty
- Cancer (internal)
- Coronary artery bypass surgery
- End stage renal failure
- Heart attack
- Heart valve surgery
- Implantable cardiac defibrillator
- Joint replacement
- Major organ failure or transplant
- Pacemaker implant
- Ruptured aneurysm
- Stroke
Coverage is subject to underwriting, a twelve month pre-existing condition period, and the terms of the policy and rider.
EasyCare2Go, included at no extra cost
Included with Affordable Choice at no extra cost.
24/7 telemedicine
Phone or video for everyday non-emergency care
Mental health support
Twelve counseling sessions a year for you and your family
Pharmacy savings
Up to a thousand medications at no cost, plus price comparisons
Tele-dermatology
Upload photos securely for common skin concerns
Digital ID wallet
Store and share your health and benefit documents
See real prices
Our quoting tool shows actual Hawaii rates for Affordable Choice and our other individual products. No email required, nothing committed. Look at real numbers first, then let us talk about whether it fits.
Rates shown are sample rates and vary by age, zip code, and who you cover.
One thing we will ask of you: before you enroll in anything, book a fifteen minute call. Not to sell you, but because the wrong plan costs far more than the right one, and it costs nothing to be sure.
Our help is free either way. We are paid by the carriers you choose, not by you, and your price is the same.
Covering a team instead? See our employer benefits page.