Small Business Plans

Choose a health plan that meets your employees’ health and financial needs. All plans comply with the Hawaii Prepaid Health Care Act.

Open enrollment for 2018 runs from November 1 to December 15, 2017. View details

  • Benefits are for services received from participating providers.
  • If you’d like your group plan to start on the first day of a specific 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 October 10, your plan will start on November 1. If you enroll on October 11, your plan will start on December 1.
  • View our medical drug list. 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.

Dental plans

Get covered for teeth cleanings, exams, and more.

View plans

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, 2018.

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 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, you must select Health Plan Hawaii Gold or Health Plan Hawaii Plus.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 10% - 20% $0 $4,850 $12 $311.65
Health Plan Hawaii Gold – A

This is an HMO plan. If you also want to offer a PPO Plan, you must select Preferred Provider Plan or CompMED.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 20% $1,000 $4,850 $20 $261.18
Health Plan Hawaii Plus – A

This is an HMO plan. If you also want to offer a PPO Plan, you must select Preferred Provider Plan or CompMED.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 10% - 20% $0 $4,850 $20 $306.06
CompMED - A

This is a PPO plan. If you also want to offer an HMO Plan, you must select Health Plan Hawaii.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 20% $0 $4,850 $14 $306.32
Plan Medical deductible Max out-of-pocket Coinsurance Rx deductible Rx max out of pocket Doctor visit copayment Premium1
Preferred Choice - A

This is a PPO plan. If you also want to offer an HMO plan, you must select Health Plan Hawaii Gold or Health Plan Hawaii Plus.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$200 $2,200 20%2 $0 $5,150 $12 $295.62

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 Medical deductible Max out-of-pocket Coinsurance Rx deductible Rx max out of pocket Doctor visit copayment Premium1
Preferred Provider Plan - B
Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$300 $3,000 20%2 $500 $4,350 $202 $267.38

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 & Life

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 Eye exam1 Single lenses2 Multifocal lenses2 Contact lenses2 Contact lens fitting1 Frames (Standard/Selected)3 Life insurance (employee) Accidental death & dismemberment Accelerated death benefit Long term disability Life insurance (spouse) Life insurance (children)
Vision Plus 30
(One or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $30,000 $30,000 $15,000 Not Applicable Not Applicable Not Applicable
Vision Preferred 25
(Two or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $25,000 $25,000 $12,500 Up to $1,200 per month $5,000 Up to $2,000 / child
Vision Preferred 35
(Two or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $35,000 $35,000 $17,500 Up to $1,200 per month $5,000 Up to $2,000 / child
Vision Plus 50
(10 or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $50,000 $50,000 $25,000 Not Applicable Not Applicable Not Applicable

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 chiropractic benefits, please call 948-5555, option 3, or 1-800-620-4672 toll-free for more details.

Chiropractic, Acupuncture, & Massage Therapy

$10 copayment / 12 sessions
$10 copayment / 24 sessions
$20 copayment / 12 sessions
$20 copayment / 24 sessions

Acupuncture & Massage Therapy

$10 copayment / 24 sessions
$20 copayment / 12 sessions

Chiropractic

$10 copayment / 12 sessions
$10 copayment / 24 sessions

Active&Fit

Get access to a local fitness center or enroll in a home fitness program.
Fitness membership with $100 annual copayment

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, 2017.

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 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, you must select Health Plan Hawaii.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 10% $0 $4,650 $12 $281.54
Health Plan Hawaii - A

This is an HMO plan. If you also want to offer a PPO Plan, you must select Preferred Provider Plan or CompMED.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 10% $0 $4,650 $20 $278.44
CompMED - A

This is a PPO plan. If you also want to offer an HMO Plan, you must select Health Plan Hawaii.

Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 20% $0 $4,650 $14 $279.14
Plan Medical deductible Max out-of-pocket Coinsurance Rx deductible Rx max out of pocket Doctor visit copayment Premium1
Preferred Choice - A
Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$200 $2,200 20% $0 $4,950 $12 $273.89

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.

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 Medical deductible Max out-of-pocket Coinsurance Rx deductible Rx max out of pocket Doctor visit copayment Premium1
Preferred Provider Plan - B
Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$300 $3,000 20% $500 $4,150 $202 $252.02
Health Plan Hawaii - B
Plan documents

Summary of Benefits Coverage
Guide to Benefits (Effective date Jan 1, 2018)
Summary of Changes
Drug Formulary

Get hard copies of open enrollment materials.

$0 $2,500 20% $0 $4,650 $20 $274.22

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 & Life

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 Eye exam1 Single lenses2 Multifocal lenses2 Contact lenses2 Contact lens fitting1 Frames (Standard/Selected)3 Life insurance (employee) Accidental death & dismemberment Accelerated death benefit Long term disability Life insurance (spouse) Life insurance (children)
Vision Plus 30
(One or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $30,000 $30,000 $15,000 Not Applicable Not Applicable Not Applicable
Vision Preferred 25
(Two or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $25,000 $25,000 $12,500 Up to $1,200 per month $5,000 Up to $2,000 / child
Vision Preferred 35
(Two or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $35,000 $35,000 $17,500 Up to $1,200 per month $5,000 Up to $2,000 / child
Vision Plus 50
(10 or more employees)
PPO - $10
HMO - Covered under medical plan
$10 $10 $25 + charges over $130 All charges less $45 plan payment $15 $50,000 $50,000 $25,000 Not Applicable Not Applicable Not Applicable

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 chiropractic benefits, please call 948-5555, option 3, or 1-800-620-4672 toll-free for more details.

Chiropractic, Acupuncture, & Massage Therapy

$10 copayment / 12 sessions
$10 copayment / 24 sessions
$20 copayment / 12 sessions
$20 copayment / 24 sessions

Acupuncture & Massage Therapy

$10 copayment / 24 sessions
$20 copayment / 12 sessions

Chiropractic

$10 copayment / 12 sessions
$10 copayment / 24 sessions

Active&Fit

Get access to a local fitness center or enroll in a home fitness program.
$100 annual copayment