Small Business Plans
Choose a health plan that meets your employees’ needs. All plans comply with the Hawaii Prepaid Health Care Act.
- Benefits are for services received from participating providers.
- If you’d like your group plan to start on the first day of the month, we must receive your enrollment on any business day (Monday through Friday) on or before the 10th of the previous month. For example, if you enroll by Oct. 10, your plan will start on Nov. 1. If you enroll on Oct. 11, your plan will start on Dec. 1.
- View our medical drug rates [PDF]. These drugs are usually covered under medical benefits and not by the drug rider. The cost share for these drugs may differ based on your plan. To find out the cost of your drugs, please call us at 1-800-776-4672 toll-free.
2025 plan brochure [PDF]
Summary of all plans
Dental plans
Get covered for teeth cleanings, exams, and more.
Questions or need a quote? We’re here to help.
808-948-5555, option 2, on Oahu
1-800-620-4672 toll-free
TTY users, call 711
In-person
Visit us at HMSA Centers or offices for in-person small business service and sales.
Pediatric dental benefits are required by the ACA. Although our medical plans don’t include pediatric dental benefits, you may choose an HMSA dental plan to get covered.
Earliest effective date for these plans is January 1, 2025.
A Status Medical Plans
If you choose an A status plan, you’ll pay at least half of your employees’ premiums. Employees are responsible for the balance, but their portion can’t exceed 1.5 percent of their gross monthly wages.
| Plan | wcag | Medical deductible | Max out-of-pocket | Coinsurance | Rx deductible | Rx max out of pocket | Doctor visit copayment | Premium1 |
|---|---|---|---|---|---|---|---|---|
| Preferred Provider Plan - A |
This is a PPO plan. If you also want to offer an HMO plan [PDF], you must select Health Plan Hawaii Platinum or Health Plan Hawaii Plus. Plan documents |
$0 | $2,500 | 10% - 20% | $0 | $6,700 | $12 | $415.87 |
| Health Plan Hawaii Platinum – A |
This is an HMO plan. If you also want to offer a PPO Plan [PDF], you must select Preferred Provider Plan or CompMED. Plan documents |
$0 | $2,500 | 20% | $500 | $6,700 | $20 | $389.44 |
| Health Plan Hawaii Plus – A |
This is an HMO plan. If you also want to offer a PPO Plan [PDF], you must select Preferred Provider Plan or CompMED. Plan documents |
$0 | $2,500 | 10% - 20% | $0 | $6,700 | $20 | $410.14 |
| CompMED - A |
This is a PPO plan. If you also want to offer an HMO Plan [PDF], you must select Health Plan Hawaii. Plan documents |
$0 | $2,500 | 20% | $0 | $6,700 | $14 | $411.69 |
| CompMED Choice - A |
This is a PPO plan. If you also want to offer an HMO plan [PDF], you must select Health Plan Hawaii Platinum or Health Plan Hawaii Plus. Plan documents |
$200 | $2,200 | 20%2 | $0 | $7,000 | $12 | $405.30 |
1 The premiums shown are for a 21-year-old; actual premiums are based on an applicant’s age on the plan’s effective date.
2 Member’s cost after the deductible is met.
Vision Packages
When you select vision benefits, you’ll automatically get life insurance to offer your employees. Vision care services are for adults 19 years and older.
| Plan | wcag | Eye exam1 | Single lenses2 | Multifocal lenses2 | Contact lenses2 | Contact lens fitting1 | Frames (Standard/Selected)3 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vision Standard Plus With Plus or Preferred Benefits |
Plan documentsOnly available with HMSA Small Business Preferred Provider Plan – A, HMSA Small Business CompMED – A, |
PPO - $10 HMO - Covered under medical plan |
$10 | $10 | All charges over $130 | Not covered | All charges over $130 | |||||||||||||||
| Vision Standard With Plus or Preferred Benefits |
Plan documentsOnly available with HMSA Small Business Preferred Provider Plan – B and HMSA Small Business Health Plan Hawaii Platinum - A |
PPO - $10 HMO - Covered under medical plan |
$25 | $25 | All charges over $110 | Not covered | All charges over $110 |
1 One per calendar year.
2 You may choose only one type of lenses (single, multifocal, or contact) per calendar year.
3 One frame every 24 months.
Complementary Care
To offer an HMSA complementary care plan, you must also offer one of the HMSA medical plans listed above and have two or more subscribers. Complementary care plans can be combined with Active&Fit unless otherwise stated.
If you’re interested in a plan with complementary care, please call 808-948-5555, option 2, or 1-800-620-4672 option 2 toll-free for more details.
Acupuncture & Massage Therapy
$10 copayment / 24 sessions
Plan certificate [PDF]36
$20 copayment / 12 sessions
Plan certificate [PDF]37
Active&Fit
Get access to a fitness center or enroll in a home fitness program.
Fitness membership [PDF]38 with $100 annual membership fee. Monthly fees may apply depending on fitness center chosen.
Plan certificate [PDF]39
Acupuncture, Massage Therapy, and Active&Fit
Complementary care plans can be combined with Active&Fit. Get complementary care benefits and a fitness center membership with an annual fee of $100. Monthly fees may apply depending on the fitness center. Or, enroll in a home fitness program.
$10 copayment / 24 sessions
Plan certificate [PDF]
$20 copayment / 12 sessions
Plan certificate [PDF]
Pediatric dental benefits are required by the ACA. Although our medical plans don’t include pediatric dental benefits, you may choose an HMSA dental plan3 to get covered.
Earliest effective date for these plans is January 1, 2024.
A Status Medical Plans
If you choose an A status plan, you’ll pay at least half of your employees’ premiums. Employees are responsible for the balance, but their portion can’t exceed 1.5 percent of their gross monthly wages.
| Plan | wcag | Medical deductible | Max out-of-pocket | Coinsurance | Rx deductible | Rx max out of pocket | Doctor visit copayment | Premium1 |
|---|---|---|---|---|---|---|---|---|
| Preferred Provider Plan - A |
This is a PPO plan. If you also want to offer an HMO plan [PDF]6, you must select Health Plan Hawaii Platinum or Health Plan Hawaii Plus. Plan documents
|
$0 | $2,500 | 10% - 20% | $0 | $6,700 | $12 | $381.10 |
| Health Plan Hawaii Platinum – A |
This is an HMO plan. If you also want to offer a PPO Plan [PDF]6, you must select Preferred Provider Plan or CompMED. Plan documents
|
$0 | $2,500 | 20% | $500 | $6,700 | $20 | $354.53 |
| Health Plan Hawaii Plus – A |
This is an HMO plan. If you also want to offer a PPO Plan [PDF]6, you must select Preferred Provider Plan or CompMED. Plan documents
|
$0 | $2,500 | 10% - 20% | $0 | $6,700 | $20 | $375.76 |
| CompMED - A |
This is a PPO plan. If you also want to offer an HMO Plan [PDF]6, you must select Health Plan Hawaii. Plan documents
|
$0 | $2,500 | 20% | $0 | $6,700 | $14 | $377.11 |
| CompMED Choice - A |
This is a PPO plan. If you also want to offer an HMO plan [PDF]6, you must select Health Plan Hawaii Platinum or Health Plan Hawaii Plus. Plan documents
|
$200 | $2,200 | 20%2 | $0 | $7,000 | $12 | $370.42 |
1 The premiums shown are for a 21-year-old; actual premiums are based on an applicant’s age on the plan’s effective date.
2 Member’s cost after the deductible is met.
B Status Medical Plans
If you choose a B status plan, your contribution toward family premiums must equal the required single rate contribution plus half the difference between the single and family rates.
| Plan | wcag | Medical deductible | Max out-of-pocket | Coinsurance | Rx deductible | Rx max out of pocket | Doctor visit copayment | Premium1 |
|---|---|---|---|---|---|---|---|---|
| Preferred Provider Plan - B |
Plan documents
|
$350 | $3,000 | 20%2 | $2,000 | $5,650 | $202 | $322.24 |
1 The premiums shown are for a 21-year-old; actual premiums are based on an applicant’s age on the plan’s effective date.
2 Member’s cost after the deductible is met.
Vision Packages
When you select vision benefits, you’ll automatically get life insurance to offer your employees. Vision care services are for adults 19 years and older.
| Plan | wcag | Eye exam1 | Single lenses2 | Multifocal lenses2 | Contact lenses2 | Contact lens fitting1 | Frames (Standard/Selected)3 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vision Standard Plus With Plus or Preferred Benefits |
Plan documentsOnly available with HMSA Small Business Preferred Provider Plan – A, HMSA Small Business CompMED – A, |
PPO - $10 HMO - Covered under medical plan |
$10 | $10 | All charges over $130 | Not covered | All charges over $130 | |||||||||||||||
| Vision Standard With Plus or Preferred Benefits |
Plan documentsOnly available with HMSA Small Business Preferred Provider Plan – B and HMSA Small Business Health Plan Hawaii Platinum - A |
PPO - $10 HMO - Covered under medical plan |
$25 | $25 | All charges over $110 | Not covered | All charges over $110 |
1 One per calendar year.
2 You may choose only one type of lenses (single, multifocal, or contact) per calendar year.
3 One frame every 24 months.
Complementary Care
To offer an HMSA complementary care plan, you must also offer one of the HMSA medical plans listed above and have two or more subscribers. Complementary care plans can be combined with Active&Fit unless otherwise stated.
If you’re interested in a plan with complementary care, please call 808-948-5555, option 2, or 1-800-620-4672 option 2 toll-free for more details.
Acupuncture & Massage Therapy
$10 copayment / 24 sessions
Plan certificate [PDF]36
$20 copayment / 12 sessions
Plan certificate [PDF]37
Active&Fit
Get access to a fitness center or enroll in a home fitness program.
Fitness membership [PDF]38 with $100 annual membership fee. Monthly fees may apply depending on fitness center chosen.
Plan certificate [PDF]39
Acupuncture, Massage Therapy, and Active&Fit
Complementary care plans can be combined with Active&Fit. Get complementary care benefits and a fitness center membership with an annual fee of $100. Monthly fees may apply depending on the fitness center. Or, enroll in a home fitness program.
$10 copayment / 24 sessions
Plan certificate [PDF]40
$20 copayment / 12 sessions
Plan certificate [PDF]41