INDIVIDUAL & FAMILY HEALTH INSURANCE

 

Supporting Your Health at Every Stage

 

Your health insurance needs can change over time. Whether you’re looking for individual plans, family coverage, or supplemental benefits, EMCKA Hawaii is here to help you understand your options. We will provide clear guidance to help you make confident, informed decisions and explore coverage that suits your needs and circumstances.

 

SUPPLEMENTAL HEALTH INSURANCE

 

Additional Protection for Life’s What-Ifs

 

Supplemental insurance offers extra financial security when unexpected illnesses, injuries, or medical expenses arise. Available options may include:

 

Accident Insurance: 

Provides cash benefits for covered accident-related expenses, which may include emergency care, ambulance services, and follow-up treatment.

 

AD&D –  (Accidental Death & Dismemberment): 

Provides benefits for covered accidental death or certain serious injuries, subject to the terms of the policy.

 

Cancer Insurance:

Provides benefits to help cover expenses associated with a covered cancer diagnosis and treatment.

 

Critical Illness Insurance:

Provides benefits following the diagnosis of certain covered critical illnesses, such as heart attack, stroke, or other conditions specified by the policy.

 

Disability Insurance (STD/LTD) :

Provides partial income replacement when a covered illness or injury prevents you from working. Disability insurance is also commonly called income protection.

 

Use the Life Happens [Disability Insurance Needs Calculator – Life Happens]  to estimate how much additional monthly income you may need if you become unable to work.

 

Hospital Indemnity Insurance:

Provides fixed benefits for covered hospital stays and other eligible services, helping with expenses your primary health insurance may not fully cover.

 

Long-Term Care Insurance:

Helps cover eligible long-term care services for individuals who meet the policy’s requirements for assistance with activities of daily living or cognitive impairment.

 

Stand-alone Dental Insurance:

Provides coverage for eligible dental services, which may include preventive, basic, and major dental care depending on the plan.

 

Stand-alone Vision Insurance:

Helps reduce out-of-pocket costs for eligible vision care, which may include eye exams, glasses, frames, and contact lenses.

 

Contact us for more information about available plans and coverage options.

 

Note: We collect relevant information to help identify coverage options based on your needs and compare available plans from multiple insurance carriers. The Life Happens Disability Insurance Needs Calculator is an educational resource that estimates potential disability income needs. It is not a comprehensive assessment. Life Happens provides consumer-focused insurance education and does not sell or endorse specific insurance products or companies. Please review the  Life Happens privacy policy for information about its privacy practices.

MARKETPLACE HEALTH INSURANCE (Healthcare.gov)

 

Explore Marketplace Health Insurance Options

 

Individuals and families may qualify for health insurance coverage through the Health Insurance Marketplace at HealthCare.gov.

 

Open Enrollment Period

 

The annual Open Enrollment Period for Marketplace health insurance runs from November 1 through January 15. During this time, eligible individuals and families can enroll in, renew, or change Marketplace health plans.

 

Enrollment dates, coverage effective dates, and eligibility requirements may change. Visit healthcare.gov for current information about Open Enrollment dates and deadlines.

 

If you miss Open Enrollment, you may still be able to enroll in Marketplace coverage if you qualify for a Special Enrollment Period.

 

Special Enrollment Period

 

Outside the annual Open Enrollment Period, you may qualify for a Special Enrollment Period due to certain life events or changes in circumstances, such as losing health coverage, moving, getting married, having a baby, or adopting a child. Visit  healthcare.gov for additional information about Special Enrollment Period eligibility and enrollment requirements.

 

MARKETPLACE COVERAGE Self Quote

[SELF QUOTE – HEALTHCARE.GOV MARKETPLACE]

 

Need help understanding your Marketplace coverage options?  Contact us for personalized assistance.

 

 EMCKA Hawaii partners with HealthSherpa to help individuals and families quote, apply for, and enroll in Marketplace health insurance plans. HealthSherpa is a secure, trusted Healthcare.gov partner. HealthSherpa provides access to Marketplace plans and pricing available through the federal Marketplace. Before submitting personal information through HealthSherpa, please review HealthSherpa’s privacy policy

KAISER PERMANENTE INDIVIDUAL & FAMILY PLANS

 

Explore Your Options with Kaiser Permanente

 

For Hawaii residents, Kaiser Permanente offers a range of individual and family health insurance plans. Kaiser Permanente’s online quoting platform provides current plan options, coverage information, and pricing.

Use the self-quote link below to review available plans and pricing based on your coverage needs and location.

[SELF QUOTE – KAISER PERMANENTE]

 

EMCKA Hawaii provides access to Kaiser Permanente’s online enrollment resources to help Hawaii individuals and families explore available health insurance options. Please review Kaiser Permanente’s Privacy Policy before submitting personal information through its website.

 

MEDICARE ASSISTANCE