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Hawaii Small Business Health Insurance

Living in Hawaii can be a wonderful experience for the small business owner. Where else in the world can a morning routine involve standing on a sun-warmed beach before heading to the office? Although businesses in Hawaii frequently enjoy the "good life" in one sense, in another survival can rest on a thin line. More than 80% of small businesses in Hawaii offer health insurance to their workers, which is one of the highest percentages in the country. For the remaining fifteen to twenty percent who don't offer health coverage, attracting quality employees is nearly impossible. Fortunately, Hawaii insurance carriers are working hard to provide the small business owner access to group plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Hawaii Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Hawaii, products are available from the following:

• Kaiser Permanente of Hawaii

Hawaii’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member.
  
  
• Insurance carriers can charge small businesses higher premiums due to the health status, age, gender, location or tobacco use of enrolled members.
  
  
• Small business insurance carriers must offer small businesses a prepaid group plan including hospitalization, outpatient care, maternity service and physician services, among other benefits.
  
  
• Self-employed workers with no employees are not eligible to enroll in a group plan. However, those who choose an individual plan can deduct up to 80% of the premiums they pay at tax time.
  
  
• Sole proprietors who incorporate to become solo employees can purchase group insurance if they work a minimum of 20 hours a week and earn a monthly salary equal to 86.67 times that of minimum wage.

Request a free online quote for more information on Small Business solutions in Hawaii >>