Individuals, Families & Self Employed
We specialize in health, disability & life benefits options for 1099/self-employed contractors and anyone looking for benefits outside of a company benefit offering. Our goal is to help you save money while also expanding your benefit coverage.
More money in your pocket while also being better protected is a WIN-WIN!
Benefit Options for Individuals, Families & Self-Employed
Traditional Benefits - Health, Dental & Vision
Health is our greatest wealth, and our traditional benefit programs are designed to keep you and your family protected. We offer comprehensive coverage that includes doctor visits, hospital stays, preventive care, emergency services, dental, vision and much more. It's about ensuring you have the support you need to live a healthy, vibrant life, and our mission is to embrace health insurance as a path to maintaining our physical, mental, and spiritual balance.
We work with the Top Benefit Carriers (you're already familiar with) for Health, Dental & Vision, and our agency has also brought 2 Brand New ACA-Compliant Carriers into Hawai'i that provide more options for self-employed contractors and small businesses.
Our goal and commitment to you is to help you expand your benefit coverage while also saving you money!
New Fixed-Indemnity Health Plan That Pays YOU!
Affordable Choice is a fixed indemnity insurance plan, offering guaranteed daily benefits for hospital stays, surgeries, and routine medical services, regardless of provider charges. With no deductibles and a range of plans from Elite Plus to Classic, this plan provides customizable coverage for individuals, families, and businesses in Hawai'i.
This program can act as a standalone policy OR compliment any existing health plan in place, and this type of insurance is growing in popularity because the insurance benefits are PAID DIRECTLY TO YOU, not the provider, and then you can choose how the money is spent.
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)!
Disability / Income Replacement
Disability coverage is like the strong roots of the ʻōhiʻa tree, providing stability in times of uncertainty. It protects individuals by providing a regular income if they become disabled and are unable to work due to illness or injury. This coverage is crucial for freelancers, self-employed contractors, and anyone without access to state disability insurance or traditional employer-sponsored coverage.
Many self-employed individuals don't contribute to state disability insurance (TDI), leaving them financially vulnerable if they cannot work. Our Disability Income Insurance provides a safety net by replacing lost income, helping cover essential expenses such as rent, utilities, groceries, and loan payments.
Rates start out as low as $5.92/month (for $1,000/week benefit)!
Life Insurance
Life insurance is more than just a policy; it's a kuleana we have to our loved ones. For those of us who are self-employed, it's crucial for protecting our families and the businesses we've passionately built.
Our life insurance offerings include flexible Term Life Insurance with Return of Premium (ROP) and Whole Life Insurance, giving you options that meet both short-term and lifelong needs. Explore the details of each plan to discover which option best fits your goals and financial situation.
Rates start out as low as $9.79/month (for $250,000)!
Cash Benefits that put MONEY in your Pocket!
These IMPORTANT programs are like the protective bark of the Kukui tree, offering an extra layer of security. These benefits PAY CASH DIRECTLY TO YOU in the event of Injuries, Illnesses, Hospital Stays, and major health events like Cancer or Critical Illnesses. They act as a financial cushion, helping 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 regular monthly bills.
These benefits ensure that when unexpected health challenges arise, you can focus on healing without the added stress of financial burdens. These benefits typically cost approx. $2-$8/week for individuals, and just a few dollars more to cover the entire family!
Home Health Care & Short-Term Care
Mana Insurance Solutions is proud to exclusively offer these important benefits that provide financial assistance when care at home is needed or when extended care is needed in-home or at a facility.
Home Health Care insurance allows you to recuperate from an injury or chronic illness from the comfort of your own home, surrounded by loved ones.
These benefits can also minimize financial stress, allowing you to focus your energy on your own personal recovery.
Short-Term Care is designed to financially help individuals who are faced with the physical challenges caused by an injury, illness or medical condition. Being financially prepared to pay for facility-based care, rehabilitative or professional home health care services can be a major concern for a growing segment of the population. This plan is a GREAT option for those who are looking for Long-Term Care insurance but don't want to pay the high premiums associated with an LTC plan.
Rates start out as low as $16.59/month!
Membership - Free Prescriptions & Free Virtual Care Visits for Primary Care, Mental Health & Urgent Care
This new program allows individuals & families to participate in a monthly membership program that provides:
- FREE 24/7 Physician Access (Primary Care, Mental Health & Urgent Care)
- FREE Standard Prescriptions (1000+ Maintenance Drug Formulary via mail order & 70+ Urgent/Antibiotics)
Individuals: $49.95/month & Families: $59.95/month
Wellness Programs & Benefits We Pay For, For YOU!
We provide additional benefits to you, AT NO COST TO YOU, based on the benefits you access through Mana Insurance Solutions!
- Wellness Benefits
- Telemedicine Support
- Prescription, Lab & Imaging Financial Savings Programs
- Health Advocacy & Medical Bill Saver
- ID Theft Protection
- Accidental Death (AD&D)
- Education, Enrollment & Support Services
Our full suite of benefits for individuals & self-employed
Accident/Injury Coverage
Disability / Income Replacement
Accident/Injury Coverage
This plan pays YOU the next time
you or your family get hurt & go to the doctor
to be seen. Includes wellness & AD&D!
Plans start as low as $15.50/month!
Affordable Choice
Disability / Income Replacement
Accident/Injury Coverage
Health Insurance that pays YOU,
not the provider, and comes with
6 additional services!
Plans start as low as $67.16/month!
Disability / Income Replacement
Disability / Income Replacement
Disability / Income Replacement
RECOMMENDED!
Most 1099/self-employed people do NOT pay into State Disability/TDI. Protect your income!
Plans start as low as $5.92/month!
Critical Illness Coverage
Term (w/ ROP) & Whole Life
Disability / Income Replacement
This plan pays YOU up to $75,000 if you or someone in your family experiences a major health event!
Plans start as low as $3.50/month!
Term (w/ ROP) & Whole Life
Term (w/ ROP) & Whole Life
Term (w/ ROP) & Whole Life
Explore our Whole Life & Term Life (w/ Return of Premium) options, where you receive all of the premium back after 20 years!
Starting as low as $8.44/month!
Senior Benefits (45-89)
Term (w/ ROP) & Whole Life
Term (w/ ROP) & Whole Life
We also provide exclusive benefits for
Home Health Care & Short-Term Care, which covers services we have to pay for as we get older.
Starting as low as $16.59/month!