Hawaii Health Insurance Regulations

Hawaii has very few health insurance regulations.

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Hawaii health insurance laws

Hawaii health insurance policies must include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions for any length of time (although most do not)
  • 31 day coverage for newborns and adopted children

Hawaii health insurance regulations

Hawaii health insurance companies can:

  • deny you health insurance on the basis of your health
  • charge you higher premiums on the basis of your health

Hawaii health insurance companies are prohibited from:

  • terminating an existing health insurance policy due to illness.

Other HI health insurance info

If you want more help getting a good health insurance policy, read our guide to health insurance.

Also see our guide to Hawaii small business health insurance.


For more on HI health insurance, visit the Hawaii Department of Commerce and Consumer Affairs, Insurance Division.

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