Businesses with at least two full-time taxable employees or other associations such as labor unions qualify for group health insurance in Hawaii. The provider usually writes one master contract to cover the entire group.

HI group health insurance providers offer small businesses additional benefits other than medical care for its employees. HI group insurance also offers tax advantages because all of the employer contributions are usually tax deductible. Additionally, the financial risk for a group health plan is distributed between all of the members of the group, usually resulting in greater coverage and lower premiums.

There are three key points that affect the premiums of Hawaii group health insurance plans:

1. The preferred provider organization. A health provider generally must be a member of the plan's PPO before a Hawaii group insurance company will pay for any treatments.

2. The amount that the employee pays before a Hawaii group insurance company will cover the costs of treatment. A higher deductible usually means a lower premium.

3. The maximum amount that group health insurance in HI will pay. This is known as the benefit cap or coverage limit.

Action Steps
The best contacts and resources to help you get it done

Contact a Hawaii group health insurance company that specializes in small business insurance

Description:Your employees' needs may be best served by a company with experience in tailoring health insurance to the small business rather than one that normally caters to multi-national corporations.

I recommend: Enter your zip code and insurance type to begin the application process for group health insurance at Hawaii Pacific Health. It is a non-profit health care organization that serves Hawaii and the Pacific region.

Find cost and coverage information for group health insurance in Hawaii

HI group medical insurance has a much lower health requirement for its policy holders and the premiums are also lower than they are for individual health insurance plans.

I recommend: Complete the quote request form at Aloha Insurance Services. Aloha is locally owned and has offices throughout the Hawaiian islands.

Compare plans from major Hawaii group medical insurance providers

It is helpful to know about all of the major health insurance companies in your area. This allows you to determine the best policy for your small business more easily.

I recommend: Compare the plans for some of the largest insurance carriers in Hawaii at Health Insurance Sort, including Kaiser Permanente, Hawaii Pacific Health and Blue Cross Blue Shield of Hawaii.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. This type of Hawaii group medical insurance usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures more closely than with a traditional health care plan.