Know if you qualify for COBRA Hawaii healthcare coverage Know your rights for health insurance coverage in Hawaii. You could qualify for COBRA if your employer has 20 or more employees. Your family will also be covered but you will have to pay the full premium. You'll want to check with your former employer for cost and deadlines to apply.

I recommend:  Georgetown University Health Policy Institute offer a complete guide to understanding your insurance rights. If you don't qualify for COBRA, go to Med-Quest for coverage that must be applied for within 45 days of leaving your job.

Bargain shop for the best Hawaii healthcare coverage When COBRA doesn't work, don't waste time. Shop for Hawaii health insurance providers. Also, ensure that the policy covers drugs and maternity costs if those apply.

I recommend:  Start at InsureMe.com for a quick comparison of Hawaii healthcare insurance policies. Also, check the background of health care companies at the Hawaii Department of Commerce and Community Affairs.

Seek help from trade associations Ask your trade association for help. There are many great sources to aid in finding health insurance, Hawaii is no exception. If you're over 50, go to the AARP for advice. Check with your local chamber of commerce or with the Small Business Service Bureau may also reap rewards.

I recommend:  Go to the Small Business Service Bureau or seek advice at AARP.org if you're over 50. Also check with your local trade groups, such as the Actor's Fund of America's Health Insurance Resource Center.