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Waiting period: the waiting period cannot be longer than 4 weeks for Hawaii residents. If an employee works 20+ hours per week for at least 4 weeks, with specific exceptions, then the employee is eligible and must be offered insurance within the 4 week waiting period.
Who is required to provide health care insurance coverage? All employers with one or more employees, whether full-time or part-time, permanent or temporary, are required to provide Prepaid Health Care Act coverage to their eligible employees in Hawaii unless the employees fall into an excluded category.
If an employee wishes to waive medical coverage, they must submit an HC-5 Waiver form to their employer, The form can be found on the State of Hawaii Disability Compensation Division website. The employer is responsible for filing the document with the DLIR.
To meet standards as prescribed by law, prepaid health care plans must include at least the following benefits: 1) hospital (including inpatient care for at least 120 days of confinement in each calendar year), 2) surgical, 3) medical, 4) diagnostic, and 5) maternity.
Hawaiis Prepaid Health Care Act was enacted in 1974. This made the state the first in the nation to require employers to provide health coverage to workers. 4 The ACA now requires large employers to offer health coverage to full-time workers.

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Under the Hawaii Prepaid Health Care Act, employees get employer-sponsored health insurance as long as they work at least 20 hours per week. The employees share of the premium (for self-only coverage) is very minimal, and the maximum waiting period for coverage eligibility is much shorter than federal law allows.

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