INDIVIDUAL & FAMILY HEALTH INSURANCE

 

Supporting Your Health at Every Stage

 

Your health insurance needs can evolve over time. Whether you’re seeking individual plans, family coverage, supplemental benefits, or Medicare-related support, EMCKA Hawaii is here to help you navigate options and choose coverage that fits your life. Let us guide you in making confident, informed decisions about your health insurance.

 

SUPPLEMENTAL HEALTH INSURANCE

 

Additional Protection for Life’s What If’s

Supplemental insurance offers extra financial security when unexpected illnesses, injuries, or medical expenses arise. Explore options such as:

 

Accident Insurance: 

Cash benefits for emergency care, ambulance services, and follow-up treatment after a covered accident.

 

AD&D –  (Accidental Death & Dismemberment): 

Lump-sum payments in the event of fatal injuries or loss of eyesight, speech, hearing, or limbs due to a covered accident.

 

Cancer Insurance:

Targeted financial support for the costs of cancer treatment, including radiation, chemotherapy, and travel.

 

Critical Illness Insurance:

Cash payouts to help with expenses from serious illnesses, such as heart attack, stroke, or organ failure.

 

Disability Insurance (STD/LTD) :

Replaces part of your income if you’re unable to work due to illness or injury. Use the Life Happens Disability Insurance Needs Calculator to estimate your needs. Also known as income protection.

[Disability Insurance Needs Calculator – Life Happens]

 

Hospital Indemnity Insurance:

Fixed benefits for inpatient hospital stays to help with high deductibles and daily costs.

 

Long-Term Care Insurance:

Covers assistance with daily living activities for those who are chronically ill, disabled, or cognitively impaired.

 

Stand-alone Dental Insurance:

Flexible premium options for preventative care, cleanings, and major dental work.

 

Stand-alone Vision Insurance:

Helps lower out-of-pocket costs for eye exams, glasses, frames, and contact lenses.

 

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

 

Note: We collect specific information to match you with suitable coverage and secure competitive rates from multiple insurance carriers. The Life Happens Disability Insurance Needs Calculator is provided as an education resource to help you assess the right amount of disability coverage. Life Happens is a nonprofit dedicated to helping consumers make informed insurance decisions. Review  Life Happens privacy policy for more details.

MARKETPLACE HEALTH INSURANCE (Healthcare.gov)

 

Explore Marketplace Health Insurance Options

 

Individuals and families may qualify for health insurance coverage through the Health Insurance Marketplace (Healthcare.gov).

 

Open Enrollment Period

 

The Open Enrollment Period is the annual window to enroll in or update your Marketplace health plan. It runs from November 1 to January 15 each year. Coverage options, enrollment dates, and eligibility requirements can change, so visit healthcare.gov for the latest details.

 

Coverage options, enrollment dates, and eligibility requirements may change from year to year. Please visit healthcare.gov for more information about open enrollment dates and deadlines.

 

If you miss Open Enrollment, you may still be able to enroll through a Special Enrollment Period if you experience a qualifying life event.

 

Special Enrollment Period

 

Outside the Open Enrollment window, you can enroll or make changes to your Marketplace plan from January 16 to October 31 if you qualify for a Special Enrollment Period due to major life changes.  For more information, visit  healthcare.gov.

 

MARKETPLACE COVERAGE Self Quote

[SELF QUOTE – HEALTHCARE.GOV MARKETPLACE]

 

Need help determining your eligibility?  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, offering plans and prices identical to Healthcare.gov. Please review HealthSherpa’s privacy policy before submitting information.

KAISER PERMANENTE INDIVIDUAL & FAMILY PLANS

 

Explore Your Options with Kaiser Permanente

 

Kaiser Permanente offers a range of individual and family health plans, with up-to-date coverage details, pricing, and self-quote tools available in the states where their plans are offered. For the most accurate information and guidance on plan selection, their official quoting site is your best resource.

Use the self-quote link below to conveniently access Kaiser Permanente’s official quoting platform. There, you can review the latest plan options and pricing to find coverage that fits your needs.

[SELF QUOTE – KAISER PERMANENTE]

 

EMCKA Hawaii provides direct access to Kaiser Permanente’s enrollment resources to help individuals and families explore their health insurance choices. Please review Kaiser Permanente’s Privacy Policy before sharing any personal information on their website.

 

MEDICARE ASSISTANCE