Hawaii Marketplace Health Insurance Plans
Qualified Plans on Hawai'i Health Connector
Beginning October 1, 2013, each state was required by law to have a new online marketplace where residents can buy health insurance. In these marketplaces, most states will offer five tiers of Obamacare Health Exchange Plans: platinum, gold, silver, bronze and catastrophic. Platinum plans will offer the highest level of coverage but tend to cost more in monthly premiums. Bronze plans will cover only a bare minimum of health care expenses but tend to have low premiums. If you are relatively healthy and want to pay less up front, consider a lower-tier plan such as bronze or silver.
You should also look at a Hawai'i Health Connector plan if you are lower-income, because the government will give financial help on a sliding scale to pay for premiums, and better benefits if you select a silver-tier plan. If you have not already done so, we can tell you if a Hawai'i Health Connector plan makes sense given your income on the State Overview tab, under the heading, "Do I Qualify For a Tax Break?"
Read ACA and Health Insurance: Which "Metal" Tier is Right for You? for more advice on choosing between metal tiers.
Hawaii Medical Service Association. HMSA is affiliated with the Blue Cross and Blue Shield Association, the oldest U.S. health insurance system. The Blue Cross and Blue Shield Association offers coverage in all 50 states, the District of Columbia and Puerto Rico and has 37 Blue Cross and Blue Shield companies that serve over 100 million members (one third of all Americans), according to the company. Nationally, Blue Cross and Blue Shield companies have contracts with over 96 percent of hospitals and 91 percent of providers. HMSA opened a large, customer service center at its headquarters in Keeaumoku and plans to open two additional call centers in Pearl City and Hilo by the end of the year, according to Pacific Business News. Hawaiians who buy a HMSA exchange plan may not have access to the entire network of doctors and hospitals.
Kaiser Permanente Hawaii. Established in 1945, Kaiser is one of the largest U.S. nonprofit health insurance companies with over 9 million members, according to The Los Angeles Times. Kaiser Permanente Hawaii has twenty-one medical facilities in the state and over 230,000 members, according to Hawaii Business.
Last updated by Heilbrunn, Evi | December 5, 2013