Understanding the COBRA Insurance in Hawaii
When someone loses their job, they may have limited options to keep their health insurance. In Hawaii, most workers at large companies qualify for federal COBRA, which lets them stay on their employer’s plan by paying the full cost. Others may need to explore private health plans through the federal marketplace or a licensed agent.
However, continuation of employer health coverage for ill or incapacitated workers is a state mandate. Hawaii’s Prepaid Health Care Act is a protection for employees who are unable to work due to sickness, hospitalization, or a disabling condition. It requires employers to pay their portion of the health insurance cost for up to three months after the month the employee became unable to work.
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COBRA Eligibility
Hawaii Allows
COBRA Alternative:
Save Up To 70%
Try Accident Only Coverage
$44/month*
Covers An Insurance Gap
Until Your Next Work Health Plan Starts
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*Based on age and state availability
Continuing Health Insurance Coverage In Georgia
Please choose:
No Pre-Existing Conditions
Term Medical Gap Coverage
Available in some states, as low as $44/month
Coverage For
Pre-Existing Conditions
$400 – 700/month per individual
Medicare
Nearing Retirement Age
Learn about Medicare Advantage
Continuation Coverage Under Hawaii’s Prepaid Health Care Act
Hawaii’s Prepaid Health Care Act requires employers to provide health insurance to eligible employees who work at least 20 hours per week for four consecutive weeks. If an employee becomes sick or is hospitalized and can’t work, the law says the employer must continue to pay for that employee’s health coverage. This must be done for up to three months following the month the employee became unable to work.
This continuation only applies when the employee is not working because of a medical condition. The employer must keep paying their part of the insurance cost during this time, as if the employee were still on the job. The goal of this rule is to make sure people don’t lose their health insurance just because they are too sick to work.
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- 24/7 Access to Care
- Affordable and Cost-Effective
- Wide variety of health services
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Health Insurance For Pre-Existing Conditions In Hawaii
Continuing your workplace insurance is a good option if you visit the doctor often or take prescription medication. You will not experience any disruption to your existing health plan and won’t have to start your deductibles over, as the plan will continue from where it left off.
Marketplace / Obamacare
Sometimes state and federal subsidies help offset the premium for individual marketplace insurance.
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
In 2023, the average ACA health plan premium in Hawaii was $430/month per individual, according to the Kaiser Family Foundation.
You May Qualify For A Subsidy
Apply For COBRA
Employer Has 20+ Employees
As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.
You sign up for COBRA with your former employer or their third party.
The premium will be $400 – 700 / month, per insured person.
Cover Your Insurance Gap In Hawaii
In Hawaii, you can bridge your insurance gap by obtaining an accident-only major medical insurance plan.
Plans start at $44/month.
Based on age and state availability
Accident Only Insurance with Telehealth
Choose Your Length Of Coverage
1 – 12 Months
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage.
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth – Access to prescribing doctors for common issues
Limited Indemnity with Telehealth
Includes Telehealth – Access to prescribing doctors for common issues
Coverage may begin as early as midnight tonight
Cancel anytime
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.
Medicare
After your workplace insurance ends, you’ll sign up for Medicare within 8 months.
In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.
Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.
COBRA Is Available in All 50 States
Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.
Remain Insured
Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
Call us
877-262-7241
Get A Quote, Enroll Online
Shop Plans
