Rate Review

The Affordable Care Act (“ACA”) requires disclosure of small group and individual (non-group) rates if the increase in rates is over or equal to 10 percent. provides access to the rate review justifications for insurers through this website. The federal Department of Health and Human Services provides additional information on rate review at

Submit questions or concerns regarding Hawaii’s rate review to

Small Group Premium Comparison

The information provided in the small group premium comparison sheet is made available through Hawaii Revised Statutes §431:14G-109.5, which was proposed by the Insurance Division in 2014. This law creates openness and rate transparency by requiring Hawaii’s health insurers to allow their small group ACA rates to be published.

ACA Individual Rates

The Health Insurance Premium sheet gives individual (non-group) consumers a better idea of what an Affordable Care Act (ACA) plan costs.

Small Business Health Options Program (SHOP)

The ACA Small Business Health Options Program (“SHOP”) Marketplace  is designed to facilitate the sale of health insurance to small businesses through the Department of Labor & Industrial Relations.  Currently SHOP is open to employers, including non-profit organizations, with 50 or fewer full-time equivalent employees. In SHOP direct enrollment a business owner, working alone or through their agent or broker, can purchase a SHOP qualified health plan directly from a health insurer. A business owner may be eligible for the Small Business Health Care Tax Credit under some circumstances.