Hawaii Health Insurance

Things To Consider With HI Health Insurance

Still, there are many things you might want to consider when purchasing health insurance in Hawaii. Keep the following in mind:

• Access to individual health insurance can be denied due to health status, unless the applicant is HIPAA eligible.
• Exclusions for pre-existing conditions can extend up to three years before a policy is put into effect.

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Families of limited-income will find health insurance opportunities through Hawaii's Department of Human Services. Medicaid and Hawaii QUEST offer coverage to those living under the poverty limit, while Quest-Net, the state's S-CHIP program, offers adults as well as children medical coverage, who otherwise would be ineligible for Medicaid.

For those whose income puts them entirely out of reach of state aid, there are still many health insurance options, including the following:

• Medical discount plans: These private health insurance plans offer consumers up to 40% off of their medical costs; this includes office visits, well child visits, immunizations and hospitalization. The cost begins at $19.95/month per person.
• Association medical plans: For those who are involved in a community or leisure group, there are a number of group insurance options that can offer members affordable individual and family coverage.

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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.