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Understanding the COBRA Insurance in Hawaii

COBRA insurance in Hawaii provides workers and their families with the ability to continue their health coverage after leaving a job. It is a federally mandated program that requires employers to offer former employees the option to maintain their insurance coverage at their own expense.

COBRA Eligibility

Hawaii Allows

COBRA Alternative:
Save Up To 70%

Try Accident Only Coverage
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

Get A Quote, Enroll Online
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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

Nearing Retirement Age

Learn about Medicare Advantage

Hawaii and COBRA Insurance

In Hawaii, COBRA insurance allows employees who have lost their job-based health coverage to temporarily continue their insurance through their former employer’s plan. The employee is responsible for paying the full premium, including the portion previously paid by their employer. COBRA coverage lasts for up to 18 months and is available to employees who left their job for any reason other than gross misconduct. To enroll in COBRA, the employee must notify their former employer within 60 days of losing their job-based coverage and make monthly payments to continue their coverage. This provides a temporary solution for individuals who are between jobs and helps ensure continuous health coverage.

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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.


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.

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