This is historical material, "frozen in time." The web site is no longer updated and links to external web sites and some internal pages will not work.


Posted on Oct 8, 2018 in Latest Department News

HONOLULU – The Department of Commerce and Consumer Affairs Insurance Division released final decisions for 2019 Affordable Care Act (ACA) individual plan health insurance rates.  These rates are expected to affect approximately 32,000 individuals currently purchasing ACA individual plans.


2019 ACA Individual Health Rate Filings


Company Proposed
Average Rate Change
Final Approved
Average Rate Change
HMSA 2.72% -0.37%
Kaiser 28.6% 12.9%


“We hope the 2019 final approved rates are a sign that premiums are starting to stabilize in the individual marketplace and this trend continues into 2020,” Insurance Commissioner Gordon Ito said. “The Division saved Hawaii residents in the individual marketplace over $20 million by determining further reductions to the insurers’ proposed rate increases were justified.”


The Insurance Division’s approval of rates was made pursuant to the statutory requirement that rates cannot be excessive, inadequate or unfairly discriminatory. All submitted data regarding the rates are closely reviewed by rate and policy analysts and actuaries.


“With ACA open enrollment starting Nov. 1, healthcare plan decision making remains complex and consumers are encouraged to review and understand the ACA plans,” said Commissioner Ito. Advanced Premium Tax Credits can help to lower your monthly payment.


# # #


The Hawaii Insurance Division regulates the Hawaii insurance industry, issues licenses; examines the fiscal condition of Hawaii-based companies; reviews rate and policy filings; and investigates insurance related complaints.


Media Contact:

William Nhieu

Communications Officer

Department of Commerce and Consumer Affairs

[email protected]

Phone: (808) 586-7582 • Cell: (808) 389-2788