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Health Insurance Options

Understanding Your Health Insurance Options

Your health is important to us and we want to provide you with the information you need to make decisions. During this critical time, you may be wondering what to do if you or a family member needs health care. If you are recently uninsured or are at risk of becoming uninsured, here are some avenues to explore.

Plans for Individuals and Families

Affordable Care Act (ACA) plans for individuals and families are available through the federal exchange, HealthCare.gov. You may be able to get a government subsidy to help pay for your monthly membership rate.

Med-QUEST (State Medicaid)

You may be eligible to get a health plan at no cost or low cost from the state during these difficult economic times. Learn how to apply by visiting the QUEST Integration website: https://medical.mybenefits.hawaii.gov.

COBRA

You may continue your employer-sponsored coverage for a limited time (about 18 months). You will need to pay the full plan membership bill every month and an administrative fee. Reach out to your employer for more details.

Other Group Coverage

You may be eligible for coverage as a dependent through your spouse or partner’s employer, or another organization. If you are under 26, your parents may be able to add you to their plan.

The following organizations can provide assistance in navigating your health insurance options:

  • Legal Aid Society of Hawaii: 808-536-4302 (option 2)
  • We are Oceania: 808-754-7303
  • Med-QUEST: 1-800-316-8005 toll-free, TTY users call 1-800-603-1201 toll-free, or 711