Finding affordable health insurance in Hawaii is easy if you know your requirements and budget.
Whether you’re a working professional or self-employed, you must protect your family from financial shocks caused by medical problems. This blog will explore some of Hawaii’s top cheap health insurance plans, breaking down their pros and cons, monthly fees, and out-of-pocket and deductible costs. Here’s what you need to know about cheap health insurance in Hawaii.
Top Cheap Health Insurance in Hawaii
Here are some of Hawaii’s top cheap health insurance options for you and your family to consider. They offer better coverage with minimal premiums and other costs.
Beem
Beem is a popular marketplace for health insurance in Hawaii that offers plans from multiple providers. They specialize in short-term medical, accident, critical illness, and dental insurance to help you find coverage that fits your lifestyle and budget. Beem offers a range of coverage options, allowing you to choose the one most appropriate for you.
| Factors | Details |
| Pros | Short-Term Medical: Flexible coverage duration from 30 days to a year. Includes benefits for office visits and urgent care. Wide range of deductibles, coinsurance, and benefits. Accident Insurance: It helps cover out-of-pocket costs after accidents, critical illnesses, or hospitalization. Flexible plan terms from 30 to 364 days. No network restrictions so you can see any doctor. Critical Illness: Provides cash benefits for out-of-pocket costs after a critical illness diagnosis. There are no deductibles to meet before benefits are paid. There are no network restrictions, allowing you to choose any doctor. Dental: It covers preventive and basic services from day one. There are multiple benefit levels to choose from. There is no waiting period for preventive care coverage with most plans. Access to a national network (varies by state). |
| Cons | Short-Term Medical: Not ideal for those with pre-existing conditions. Accident Insurance: Coverage is limited to accidents and specific illnesses. Critical Illness: Only covers specific critical illnesses like cancer, heart attack, or stroke. Dental: Coverage limits may be low compared to standalone dental plans. |
| Monthly Fees | Short-Term Medical: Monthly fees vary between health insurance providers, but they can range between $143 and $612. Accident Insurance: Similar to its short-term medical plan, monthly fees vary based on health insurance providers but range between $2 and $52. Critical Illness: Depending on the service providers, it can only vary from $17.49 to $46.14. Dental: Ranging from$8.90 to $50, depending on the service provider. |
| Out-Of-Pocket Costs | Short-Term Medical: Varies depending on the providers. Accident Insurance: Do not carry any out-of-pocket costs. Critical Illness: No out-of-pocket cost. Dental: No out-of-pocket costs. |
| Deductibles | Short-Term Medical: Ranges from $2500 to $5000. Accident Insurance: On average, it ranges from $250. Critical Illness: No deductible. Dental: $0 to $50 deductible. |
HMSA (Hawaii Medical Service Association)
HMSA is Hawaii’s most experienced health plan, covering more than half of the state’s population. It works with employers, partners, and healthcare providers to promote wellness, provide affordable health plans, and support members with clear, thoughtful guidance.
| Factors | Details |
| Pros | Extensive coverage options. A broad network of doctors and hospitals. Wellness programs and preventive care. |
| Cons | Premiums can be higher compared to other providers. Stringent approval processes for certain treatments. |
| Monthly Fees | $489.18 per month is an average fee |
| Out-Of-Pocket Costs | $3,200 is an average cost. |
| Deductibles | The deductibles are $0. |
Kaiser Permanente Hawaii
At Kaiser Permanente, your care team is connected through your electronic health record. Every visit is documented so your doctor can use your health history to provide informed care. If you need to see a specialist, they will have important information about your health before meeting you, enabling faster, more efficient care. This integrated approach helps members avoid unnecessary visits, serious health conditions, and sleepless nights.
| Factors | Details |
| Pros | Integrated care through electronic health records. Comprehensive coverage, including medical and prescription drugs. Excellent customer service. |
| Cons | Limited to Kaiser Permanente facilities and doctors. It may not be convenient for everyone. |
| Monthly Fees | $200 – $350 is an average monthly fee. |
| Out-Of-Pocket Costs | $6,500 is an average cost. |
| Deductibles | Having $1,000 deductibles. |
AlohaCare
AlohaCare is a non-profit health plan founded in 1994 by Hawaii’s Community Health Centers. As the third-largest health plan in Hawaii, AlohaCare specializes in QUEST Integration health insurance for residents of Oahu, Kauai, Molokai, Lanai, Maui, and Hawaii Island, focusing on underserved populations with specific health needs.
| Factors | Details |
| Pros | Affordable plans. Strong emphasis on community health. Wide provider network. |
| Cons | Limited specialist coverage. Higher copays for non-preventive services. |
| Monthly Fees | Monthly fees can vary between $100 – $250. |
| Out-Of-Pocket Costs | Approximately $5,000 can cost as out-of-pocket charges. |
| Deductibles | $500 are the deductibles. |
Hawaii Health Connector
Hawaii Health Connector is a marketplace that allows individuals and small businesses in Hawaii to compare and purchase health insurance plans. It provides a platform to find competitive prices and various coverage options from various providers. The Connector offers assistance in selecting the best plan based on individual needs and budget, making it easier for residents to access affordable health insurance.
| Factors | Details |
| Pros | Wide range of plan options. Competitive pricing. Assistance with plan selection. |
| Cons | It can be confusing to navigate. Some plans may have hidden costs. |
| Monthly Fees | $100 – $400 (varies widely depending on plan and provider) |
| Out-Of-Pocket Costs | The cost lies between $4,500 – $7,500 |
| Deductibles | The average amount is $1,000 – $3,500 |
Ohana Health Plan
Ohana Health Plan provides affordable health insurance options tailored for Medicaid beneficiaries and individuals eligible for Medicare in Hawaii. They focus on offering comprehensive coverage to those who need it most, ensuring access to essential health services.
| Factors | Details |
| Pros | Affordable options for Medicaid and Medicare beneficiaries. Comprehensive coverage for essential health services. Strong emphasis on care coordination and community-based services. |
| Cons | Limited to Medicaid and Medicare-eligible individuals. Restrictions on provider networks |
| Monthly Fees | Generally under $150 |
| Out-Of-Pocket Costs | Typically around $4,000 |
| Deductibles | Usually minimal, starting at $500 |
Conclusion
Affordable health insurance in Hawaii is easier with options like HMSA, Kaiser Permanente, AlohaCare, Hawaii Health Connector, and Ohana Health Plan. Each offers unique benefits to fit different needs and budgets. For a convenient, flexible, and comprehensive selection, Beem stands out by providing various plans and coverage options, making it a top choice for securing your health and peace of mind.
Read Related Article: Cheap health insurance in Denver.
FAQs
Who has the lowest health insurance rates in Hawaii?
AlohaCare and Beem Health Plan typically offer the lowest health insurance rates, especially for those eligible for Medicaid or Medicare.
How to get free health insurance in Hawaii?
If you meet the income and eligibility requirements, you can get free health insurance in Hawaii through Medicaid (QUEST Integration). Apply through the Hawaii Department of Human Services website or local assistance centers.
Which plan has low deductibles and out-of-pockets in Hawaii?
AlohaCare generally offers plans with low deductibles and out-of-pocket costs, making it a good option for affordable and comprehensive coverage.
