Employers with one or more employees located in Hawaii are legally obligated to offer health insurance coverage that meets the minimum coverage requirements set by the Hawaii Prepaid Health Care Act (HPHCA).

Justworks has chosen a Hawaii Medical Services Association (HMSA) plan which all client companies with employees in Hawaii must offer to their Hawaii worksite employees only, regardless of whether or not they offer benefits to their non-Hawaii employees. Employers are also required to contribute a set minimum coverage amount in line with HPHCA. Minimum contribution requirements are detailed below in the employer responsibilities section.

Eligibility requirements

Employees are eligible to enroll in a Hawaii HMSA plan for 30 days after their effective start date. The effective date of the policy will always be the first of the month after the employee’s start date.

In order to be eligible for Justworks’ Hawaii health insurance plans, an employee must meet the following criteria: Maintain full-time residency in the state of Hawaii, work on average 20 or more hours per week, and earn a monthly wage at least 86.67 times the Hawaii minimum wage.

The following individuals are excluded from health care insurance coverage: Contractors, employees paid solely through commission, Federal, State, or County employees, individuals working for a son, daughter, or spouse, and children under the age of 21 working for a father or mother.

Employer requirements


Employers must offer the Justworks Hawaii health insurance plan to eligible employees, regardless of whether they already offer a plan compliant with the state of Hawaii.

Contribution requirements

A company must contribute at least one-half of the premium, as long as the employee contributes no more than 1.5% of their wages towards the premium. However, contribution towards the dependent portion of the premiums is not required.

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