Hawaii may be a favorite vacation destination for tourists, but it’s not at all fun for residents who don’t have adequate Hawaii health insurance. If you’re currently uninsured and you’re looking to purchase private insurance for individuals, families or small groups, HealthQuoteInfo can help. Just enter your zip code into our search bar, and you can find plans from carriers such as Cigna.
Difficulties with Private Hawaii Health Insurance
Quite a few residents in Hawaii are unable to obtain private health insurance coverage. One common reason for this is that it can be costly particularly for low-income families. Another reason is that insurance companies can review your medical history, and they may refuse coverage for any pre-existing medical condition. This is a medical condition for which you’ve received medical advice or care within the last three years. So far, there’s no high-risk pool for the uninsured in Hawaii who have been deemed uninsurable due to a preexisting medical condition.
Because insurance companies can review your medical history, they can use that medical history to affect the monthly premiums you have to pay. However, you do have guaranteed renewability. This means that even if you do get sick during the period of your policy, you can’t be denied coverage as long as you’ve paid all of your premiums.
Small Business Health Insurance Hawaii
Despite the problems with private health insurance, a larger percentage of Hawaiian residents have affordable health insurance compared to the other states in the country. This is because since 1974 the state has required all employers to provide their employees with health insurance coverage. Employers pay a part of the premiums, so employees are more able to afford the insurance expenses.
Carriers may review your medical history only up to the previous six months instead of 3 years. Also, a pre-existing medical condition may not be covered for the first year of the policy only if you did not have any previous health insurance coverage.
For those who have lost their Hawaii health insurance coverage for reasons such as job loss or the death of a family member working in a company, there is also the COBRA program as a safety net. This program requires companies with 20 or more employees to offer their former employees and their dependents a continuation of the coverage benefits even after the loss of the job. This allows the former employees and their dependents to have adequate coverage even while they’re unemployed and seeking a new job.
Medicaid & Low Income Health Insurance Hawaii
Hawaii Medicaid allows for residents in Hawaii to procure health insurance if they cannot afford private health insurance. There is no required residency period if you’re new to the state, although you must intend to live in Hawaii. A non-citizen or a permanent resident alien may also be covered for emergency services. For the most part, the majority of medical expenses are covered by Medicaid at no cost to the beneficiaries.
One of the medical assistance programs enabling low-income residents of the state to receive health insurance coverage is called the Medicaid Fee-For-Service program. In general, this program is for groups with special needs, such as the certified blind, the disabled, and senior citizens over the age of 65.
To qualify, you also need to have an annual income that doesn’t exceed the limits for your household. Here are the income limits for each household size:
If the household has more than eight people, the ceiling increases by $6,397 for each additional person. The annual income counts the amount before taxes.
QUEST is the state’s program that offers health coverage for low-income adults, children under 19, and pregnant women can qualify as well.
For adults, the income ceiling for eligibility is 100% of the federal poverty level. The ceiling for countable assets is $2,000 for an individual, $3,000 for a couple, and an increase of $250 for each additional person in the household. The benefits of the program include medical and dental care services.
For children under the age of 19, the income limit is 200% of the FPL. Pregnant women have an income ceiling of 185% of the FPL, though the number of the household includes the unborn child (or children). There are no asset ceilings for children under the age of 19 or pregnant women for the duration of the pregnancy plus an additional 60-day period.
Hawaii Unemployment Insurance
Since most people in Hawaii obtain their insurance through the workplace, it can be disastrous if you’re a resident of the state and you’re unemployed. However, with the Hawaii Unemployment Insurance, you can still get coverage even as you search for new employment. This is for those who are unemployed through no fault of their own.
To qualify, you’ve worked for the last 12 to 18 months, and during that time you should have earned an amount that exceeds the minimums laid out in this program’s guidelines. Also, you should be available to work during the time that you’re collecting the benefits of this program.
Hawaii Open Enrollment 2019 & Hawaii Obamacare Insurance
The Hawaii Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Hawaii, please do not hesitate to give us a call at 1-855-881-0430. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.