Expertise.com Homepage

2024

Last updated:

Best Health Insurance Agencies in Hawaii

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hawaii Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

26399Reviewed

15841Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Hawaii

Expertise.com Rating

Review Sources

Yelp
5.0 (17)
Facebook
5.0 (12)
Google
5.0 (3)

Why choose this provider?

Premier Benefit Consultants is an independent agency that caters to individuals and families in Hawaii. Its team serves the insurance needs of clients to help them prevent financial losses due to serious illnesses or injuries. The company offers different types of health insurance plans, including Medicare Supplement, Part C and D, dental, and hospital indemnity coverages. It works with multiple carriers, such as Humana, Kaiser Permanente, and United Healthcare. Premier Benefit Consultants has been in operation for over a decade.

  • Individual Health Insurance

Hawaii

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
3.0 (2)

Why choose this provider?

American Mutual Group offers risk management solutions to individuals, small businesses, and corporations in Hawaii. It processes a wide selection of personal protection products, including health insurance. The agency writes customized cancer, long-term care, and disability coverages. It also provides special programs, such as permanent and term life insurance, optometric and dentist professional protector plans, and mortgage protection policies. Additionally, it furnishes general and professional liability insurance policies. American Mutual Group has been in operation for over 70 years.

  • Individual Plans
  • Group Plans

Hawaii

Expertise.com Rating

Review Sources

Google
4.0 (23)
Facebook
5.0 (6)
Yelp
2.6 (5)

Why choose this provider?

For over 20 years, Aloha Insurance Services has been offering a variety of personal and group health insurance policies in Hawaii. Its fee-for-service and managed care insurance cover medical care, surgeries, hospital expenses, prescription drugs, and dental services. The company carries HMO or PPO plans as part of the employee benefits package. Its agents identify suitable policies that match the client's financial situation and healthcare needs. Aloha Insurance Services also carries other personal and commercial products, including life, property, auto, workers' compensation, and employment liability plans.

  • Individual Health Insurance
  • Life Insurance

Hawaii

Expertise.com Rating

Review Sources

Facebook
4.9 (37)
Yelp
3.0 (15)
Google
1.5 (8)

Why choose this provider?

Atlas Insurance Agency is a business that serves residents in Hawaii. Since 1929, the company has been helping clients find the ideal protection plans. It offers both personal and business insurance policies that cover group health, auto, casualty, property, homeowners, and watercraft. It employs over 100 insurance professionals who serve industries like financial institutions, medical, construction, manufacturing, real estate, and moving companies. Atlas Insurance Agency is included in the Insurance Journal Top 100 Property/Casualty Agencies of 2022.

  • Group Plans

Hawaii

Expertise.com Rating

Why choose this provider?

Proinsurance Hawaii helps protect its clients from financial losses arising from unexpected incidents and health conditions. It offers plans for individuals and groups, catering to small and large businesses requiring health coverage for their employees. Dental and prepaid healthcare plans are also provided as options for employers. The company's products available in Hawaii include federal Medicare programs, life insurance, and short-term and long-term disability insurance. Proinsurance Hawaii partners with various companies to provide HR outsourcing solutions.

  • Group Plans
  • Individual Plans

Hawaii

Expertise.com Rating

Review Sources

Google
4.8 (86)
Facebook
5.0 (24)
Yelp
3.6 (11)

Why choose this provider?

Iris Kuwaye has 29 years of experience as a State Farm insurance agent. She runs an insurance agency that caters to clients in and around Hawaii seeking health policies for themselves and their families. Pet health coverage is also available. In addition, Kuwaye's office caters to the life, auto, home, and business insurance needs of the community. Kuwaye and her team design policies based on the level of coverage clients have in mind. They can assist clients in Tagalog and Ilocano.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Premier Benefit Consultants
1221 Kapiolani Blvd PH30, Hawaii, HI 96814
American Mutual Group
1357 Kapiolani Boulevard Suite 1000, Hawaii, HI 96814
Aloha Insurance Services
75-5931 Walua Rd., Hawaii, HI 96740
Atlas Insurance Agency
201 Merchant Street, Suite 1100, Hawaii, HI 96813
Proinsurance Hawaii
Hawaii, HI
Iris Kuwaye
9 Lei St., Hawaii, HI 96720

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.