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Small business health plans in Hawaii

As a busy entrepreneur, you need business health plans that are easy to use and affordable. Kaiser Permanente offers simple, cost-effective, and flexible multimarket solutions to employers with 50 or fewer full-time employees. Get the right mix of coverage, cost, and convenience to keep your employees and your business healthy.

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Featured plans and benefits

Investing in employee wellness leads to a stronger workforce — and a healthier business. With coverage from Kaiser Permanente, your employees get high-quality care and total health support when and where they need it.

Fitness perks

Support your employees’ fitness goals with Kaiser Permanente’s Fit Rewards program.*

Learn about fitness programs

Employee assistance programs

Support your employees’ mental, physical, social, and financial health with an EAP from TELUS Health.

Learn about our EAPs

Find your health plan

Get to know the different plan types available for small businesses in Hawaii.

Available plan type	Health Maintenance Organization (HMO) Plans	Deductible Health Maintenance Organization (DHMO) Plans	Point of Service (POS) Plans
What is it?	A plan that covers care from in-network physicians. With predictable costs and no deductibles, you know how much you’ll pay for services and prescriptions.	An HMO plan with a deductible that offers lower rates. Employers and employees share costs.	POS plans are available alongside an HMO or DHMO. Get the convenience of one health plan for all your employee benefits.
What's the advantage for employers?	Comprehensive coverage Low, predictable out-of-pocket costs User friendly Easiest plan to administer Highest level of employee satisfaction	Lower monthly rates Wide range of deductibles, copays, and coinsurance options	Choice, flexibility, and convenience Coverage for employees living and working outside our service areas Referral-free access to an outside network of doctors and licensed providers
What’s the advantage for employees?	Low out-of-pocket costs Care coordinated by a primary care physician Easy to understand No deductible Copay or coinsurance amounts are known up front Convenient for budgeting Additional payment options	Lower premiums than regular HMO plans Care coordinated by a primary care physician Preventive services covered at little or no cost	Broader choice of primary care physicians No referrals required for specialists
Is there out-of-network coverage?	No (except for emergencies)	No (except for emergencies)	Yes, but at a higher cost
Annual deductible?	No	Yes	Yes
Copays?	Yes	Yes	Yes, for most in-network services; most out-of-network services require coinsurance payments
Is a primary care physician required?	Yes	Yes	No
Is a referral required to see a specialist?	Usually	Usually	No, but some services require precertification

Available plan type

Health Maintenance Organization (HMO) Plans

What is it?

A plan that covers care from in-network physicians. With predictable costs and no deductibles, you know how much you’ll pay for services and prescriptions.

What's the advantage for employers?

Comprehensive coverage
Low, predictable out-of-pocket costs
User friendly
Easiest plan to administer
Highest level of employee satisfaction

What’s the advantage for employees?

Low out-of-pocket costs
Care coordinated by a primary care physician
Easy to understand
No deductible
Copay or coinsurance amounts are known up front
Convenient for budgeting
Additional payment options

Is there out-of-network coverage?

No (except for emergencies)

Annual deductible?

Copays?

Yes

Is a primary care physician required?

Yes

Is a referral required to see a specialist?

Usually

Available plan type

Deductible Health Maintenance Organization (DHMO) Plans

What is it?

An HMO plan with a deductible that offers lower rates. Employers and employees share costs.

What's the advantage for employers?

Lower monthly rates
Wide range of deductibles, copays, and coinsurance options

What’s the advantage for employees?

Lower premiums than regular HMO plans
Care coordinated by a primary care physician
Preventive services covered at little or no cost

Is there out-of-network coverage?

No (except for emergencies)

Annual deductible?

Yes

Copays?

Yes

Is a primary care physician required?

Yes

Is a referral required to see a specialist?

Usually

Available plan type

Point of Service (POS) Plans

What is it?

POS plans are available alongside an HMO or DHMO. Get the convenience of one health plan for all your employee benefits.

What's the advantage for employers?

Choice, flexibility, and convenience
Coverage for employees living and working outside our service areas
Referral-free access to an outside network of doctors and licensed providers

What’s the advantage for employees?

Broader choice of primary care physicians
No referrals required for specialists

Is there out-of-network coverage?

Yes, but at a higher cost

Annual deductible?

Yes

Copays?

Yes, for most in-network services; most out-of-network services require coinsurance payments

Is a primary care physician required?

Is a referral required to see a specialist?

No, but some services require precertification

Multimarket solution

Our multimarket solution gives your employees freedom of choice. Employees living in other Kaiser Permanente service areas can receive traditional Kaiser Permanente coverage, with access to Kaiser Permanente doctors and medical facilities close to home.

Compare the cost of care

Our plan summary provides you with an overview of deductibles, out-of-pocket maximums, and the estimated cost of care and services for each business health plan.

Download plan summary

Learn more about our product offerings

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HMO and deductible HMO plans

Get preventive care services at little or no cost to you, and online features that let you manage your care.

Occupational health

Get occupational health and safety services through Kaiser Permanente On-the-Job®.

Ancillary benefits

You don’t have to spend a lot to add valuable ancillary benefits to your employee health care plans.

Find the right plan for your business 866-727-3575

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Frequently asked questions

Yes. With the award-winning Kaiser Permanente app, your employees can easily schedule appointments, connect with their care team 24/7, manage their care and payments, and view lab and test results on the go.

Members can also manage their prescriptions on the app, with refills available at a click, and get text alerts when prescription refills are available to order.

Find out more about the KP app

Other resources

Employers

Manage your account online

Continuing coverage

National & Multi-State accounts

Large business plans

Appointed broker resources

Working with Kaiser Permanente

Footnotes:

*The services described above are not covered under your health plan benefits and are not subject to the terms set forth in your Evidence of Coverage or other plan documents. These services may be discontinued at any time without notice.