Small Employer Group Health Insurance
Boost Employee Loyalty with Comprehensive Small Business Health Insurance
- Recruit top talent with comprehensive benefits
- Retain with competitive benefits
- Comply with Legal obligations to comply with PPHCA and ACA
Small businesses with 1-50 employees.
Startups looking to offer competitive benefits.
Established businesses seeking to improve employee retention.
Starting at as little as $322 per employee
In Hawaii, small business health insurance starts for as little as about $322 per employee.* This pricing will vary based on a number of factors, including the number of employees, age, gender, and others. Receive free quotes from Proinsurance Hawaii and compare plans to find the coverage options that are right for you and your employees.
* This is based on the lowest-price plan available from Proinsurace Hawaii in Hawaii, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.
Premiums vary based on plan type and coverage level and are Influenced by factors such as employee age and location.
Employer Contribution
- Employers typically share the premium costs with employees.
- Contribution levels can vary.
Choosing a Plan
| Plan | Premiums | Coverage | Referrals |
|---|---|---|---|
|
Health Maintenance Organization(HMO) |
Relatively low |
Extensive coverage with in a specific service network |
Requires referrals to see specialists; care typically within network |
|
Preferred Provider Organization(PPO) |
Higher |
Flexible coverage allowing a broader range of health care providers, including out-of-network |
No referrals needed to see specialists; higher versatility |
|
Point of Service Plan(POS) |
Moderate |
Combines features of HMO and PPO plans |
Allows out-of-network providers but requires referrals for specialists from primary care physician |
Legal Requirement
Understanding the legal requirements for providing health insurance is crucial for small businesses in Hawaii. Proinsurance Hawaii helps you navigate these requirements, ensuring compliance while providing the best possible coverage for your employees.
- The Prepaid Health Care Act mandates that employers in Hawaii provide health insurance to employees who work 20 or more hours per week for four consecutive weeks.
- Employer Responsibilities: Employers must offer a health plan that meets the minimum standards set by the state.
- Impact: Ensures that employees have access to necessary health care services, promoting a healthier and more productive workforce.
- The Affordable Care Act (ACA) sets national standards for health insurance, affecting small businesses.
- Employer Mandate: Businesses with 50 or more full-time employees must provide health insurance or face penalties.
- Coverage Requirements: Health plans must include essential health benefits and meet minimum value and affordability standards.
- Ambulatory Services
- Emergency Services
- Hospitalization
- Pregnancy, Maternity and Newborn Care
- Prescription Drugs
- Rehabilitative and Habilitative Services and Devices
- Laboratory Services
- Preventive and Wellness Care
- Chronic Disease Management
- Pediatric Services including Oral and Vision Care, not mandatory for adults
Seven years ago, Derrick assisted me in setting up my Health Insurance plan when i first started my business. Later on, Derrick and his team also helped me establish plans for our employees. Their excellent customer service was evident as they regularly checked in with me to ensure i was satisfied with my plan. Discovering Proinsurance Hawaii has been a blessing, and i highly recommend them to any entrepreneur in search of Health Insurance plans tailored to their needs.
Mostafa Saad
15 reviews - 30 photos
Why Choose Us?
- Serving Hawaii’s insurance needs for over 25 years, providing reliable and trusted insurance solutions.
- We specialize in group health insurance and have deep knowledge of local regulations and requirements and build tailored plans for each of our clients.
- Our consultative process ensures we understand your specific needs and provide the best possible advice.
FAQs
- An employer must offer health insurance to employees working at least 20 hours a week for 4 consecutive weeks.
- The cost varies based on the plan and the number of employees. On average, small business health insurance in Hawaii can range from $322 to $1058 per employee per month.
