Expertise.com Homepage

2025

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

Best Health Insurance Agencies Serving Hawaii
Hawaii

Expertise.com Rating

Review Sources

Google
4.0 (23)
Facebook
5.0 (11)
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.

  • Life Insurance
  • Individual Health Insurance

Best Health Insurance Agencies Serving Hawaii
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

Best Health Insurance Agencies Serving Hawaii
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

Best Health Insurance Agencies Serving Hawaii
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.

  • Individual Plans
  • Group Plans

Best Health Insurance Agencies Serving Hawaii
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

Best Health Insurance Agencies Serving Hawaii
Hawaii

Expertise.com Rating

Review Sources

Google
4.8 (86)
Facebook
5.0 (11)
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
Aloha Insurance Services
75-5931 Walua Rd., Hawaii, HI 96740
American Mutual Group
1357 Kapiolani Boulevard Suite 1000, Hawaii, HI 96814
Premier Benefit Consultants
1221 Kapiolani Blvd PH30, Hawaii, HI 96814
Proinsurance Hawaii
Hawaii, HI
Atlas Insurance Agency
201 Merchant Street, Suite 1100, Hawaii, HI 96813
Iris Kuwaye
9 Lei St., Hawaii, HI 96720

Hawaii Health Insurance FAQs

  • Which employers in Hawaii must offer their employees health insurance coverage?

    Unless they fall into an excluded group, all employers in Hawaii with at least one employee, whether part-time or full-time, temporary or permanent, must provide Prepaid Health Care Act coverage to their qualified employees. Employer-sponsored health insurance is not available to people who work fewer than 20 hours per week, commission-only insurance or real estate agents, seasonal agricultural workers, people who work for family members, or children under the age of 21 who work for their parents.

  • What should you do if your Hawaii group health insurance coverage is about to expire?

    If your Hawaii group health insurance coverage expires, you should apply for private health coverage under the federal Health Insurance Portability and Accountability Act to avoid a coverage gap. If you meet the requirements, you will be guaranteed to receive this type of policy. If your group health coverage expires because you are leaving your job, you may be entitled to protection under the Consolidated Omnibus Budget Reconciliation Act.

  • Which employees in Hawaii are exempted from acquiring health coverage?

    In Hawaii, some employee groups can seek exemptions from health coverage, per the State of Hawaii Department of Labor and Industrial Relations:

    • Religious Members: Those relying on prayer or spiritual healing can request exemptions.
    • Dependents under Health Plans: Dependents with suitable health coverage can apply for exemptions.
    • Mandatory Insurance Holders: Individuals with government-required health insurance can request an exemption.
    • Public Assistance Beneficiaries: Those receiving public assistance or covered by state health care plans for medical aid may also be eligible for exemptions.
  • In Hawaii, how can you sign up for Medicare if you aren't currently receiving Social Security benefits?

    If you are not currently receiving Social Security benefits, you must apply for Medicare in Hawaii on your own. You can apply for Social Security by phone, online, or in person at your local Social Security office. Before submitting an online application, you must first create a my Social Security account.

  • Can you pay your copay with money from your health savings account in Hawaii?

    Yes, you can use the funds in your Hawaii health savings account to pay for a variety of services and out-of-pocket costs, such as copays. With this type of plan, you can have lower monthly rates and a higher deductible amount. However, because the money you put into an HSA is frequently pre-tax, it has no effect on your taxable income.