HI State Updates - 2015 Jan 20 No.01

On Oct. 5, 2015, the Hawaii Department of Commerce and Consumer Affairs Insurance Division released 2016 final rates for qualified health plans in the exchange. The premium rates for individuals vary by age, but on average increased 34.4 percent for Kaiser as compared to 2015 rates and 27.3 percent for HMSA. There are six insurers offering coverage through the SHOP and the rate increases range from -18.9 percent to 22.6 percent.

The state’s exchange was previously state-based and called the Hawaii Health Connector. Effective for 2016, the exchange will now be federally facilitated through

While the individual policy offerings do not affect employers, it may be helpful for employers to understand what is available through the exchange when responding to employee questions. Also, small employers with up to 50 employees have the option of purchasing group coverage through the SHOP. Please consult your advisor with any questions.

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