Employer health plans · Hawaii
Employer health plans in Hawaii
How Hawaii employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Hawaii at a glance
Employer plan filings, 2024
Large employer health plans
254
form year 2024
Fully insured
225
89% of large plans
Self-funded
23
9% with stop-loss
Small plans
7
fewer details reported
Median premium per person covered
$6,681
insured contracts, all carriers
Insurance carriers for Hawaii employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Kaiser Permanente | 167 | 74% | 46,890 | $6,738 | 3.4% |
| Blue Cross Blue Shield | 91 | 40% | 67,744 | $7,221 | 1.7% |
| Humana | 6 | 3% | 2,810 | $784 | 15.7% |
| UnitedHealthcare | 5 | 2% | 1,599 | $6,940 | 3.6% |
| Cigna | 4 | 2% | 68 | $5,004 | 10.0% |
| Aetna | 2 | 1% | 172 | $5,972 | 1.2% |
| Anthem (Elevance Health) | 1 | 0% | 182 | $5,325 | 4.4% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 265 | 234 | 25 | 9% |
| 2021 | 283 | 254 | 23 | 8% |
| 2022 | 274 | 246 | 21 | 8% |
| 2023 | 273 | 248 | 19 | 7% |
| 2024 | 254 | 225 | 23 | 9% |
| 2025 (partial) | 172 | 155 | 14 | 8% |
Methodology
How these numbers are calculated
- Sources: employer health plan filings for 2020–2024 (2025 is still coming in and is labelled partial), negotiated rates published by health insurers and hospitals (2026), and Medicare fee schedules for reference.
- Which plans count: large employer health plans, placed in the state of the employer's business address. A carrier's figures count plans with a major-medical insurance contract with that carrier. Self-funded plans that a carrier only administers are not counted under that carrier, and supplemental coverage (dental, vision, accident, hospital indemnity) is excluded.
- Premium per person covered: premium divided by the persons covered on the contract, for contracts covering at least 20 persons.
- Broker pay: commissions and fees paid on each contract, as a share of that contract's premium.
- Network rates: physician negotiated rates for the Employer 50 services, from a sample of providers, shown as a percentage of Medicare. Shown only where the network passes Medlyze's quality checks for the state.
- Hospital prices: commercial negotiated rates (2026) for the whole hospital stay or the hospital's facility charge. Medicare Advantage, Medicaid and individual-market rates are excluded, and so is Humana, whose hospital rates are almost all Medicare. Physician, anesthesia and implant charges are separate.
- Not a judgement: differences describe the plans and rates analyzed. They are not findings about any employer, carrier or broker, and they say nothing about quality or value.
Get the full figures
Brokers: an Employer Account Brief on one employer, or a Prospect List for this market. Employers: a Plan Cost Benchmark for your own plan, with every hospital near your people.