Hawaii insurance laws
What Hawaii has enacted on insurance, what each law requires, and what the bills still moving would do. Hawaii is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 190bills in scope
- Past committee
- 99past committee
- Most recent action
- 14 July 2026most recent action
Insurance laws enacted in Hawaii
18 insurance laws enacted in the Hawaii Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Captive insurance companies must undergo examination at least once every five years, except risk retention captive insurance companies which must be examined no later than three years after formation and then at least once every five years. Captive insurance companies may apply for certificates of exemption from examination if they meet specified criteria including prior examination completion and timely filing of required reports.
Workers' compensation, surety and specialty lines, Licensing, solvency and market conduct
What it requires: Homeowners insurers must provide policyholders annually at policy renewal with a written replacement cost estimate disclosing whether dwelling coverage limits cover replacement costs. If coverage is insufficient, insurers must offer additional coverage for thirty days at a stated premium. Estimates must include labor, materials, overhead, demolition, permits, and other necessary costs, updated annually and considering policyholder-submitted estimates.
Property, catastrophe and climate risk
What it requires: Issuers of individual or group accident and health insurance policies, hospital or medical service plan contracts, and health maintenance organizations must provide coverage for standard fertility preservation services to policyholders or covered persons undergoing medically necessary cancer treatment that may cause iatrogenic infertility, effective after December 31, 2026. Issuers must not exclude, limit, or discriminate based on prior diagnosis, fertility treatment, life expectancy, disability, or health conditions.
Health coverage and plan regulation
What it requires: Health insurers, hospital and medical service plans, and health maintenance organizations in Hawaii must provide coverage for continuous glucose monitors and related supplies for individuals diagnosed with diabetes, including gestational diabetes, regardless of insulin use, for policies issued or renewed after December 31, 2026. Coverage must include repairs and replacement parts and be subject to no less favorable cost-sharing than other medical services.
Health coverage and plan regulation
What it requires: An employer must allow a physician to transmit a treatment plan by mail, facsimile, or secure electronic means. An employer denying a treatment plan must file a written denial with the director within seven days of receiving the plan, with a copy to the physician and injured employee. An employer must pay the appropriate health care provider for medical care in an accepted treatment plan.
Workers' compensation, surety and specialty lines
What it requires: Employers must pay fees for functional capacity examinations requested by an injured employee's attending physician after medical stabilization. The attending physician must submit the qualified health care provider's name, business address, discipline, specialty, and examination reasons in writing to the employer at least seven calendar days before referral. The qualified health care provider must provide the examination report to the attending physician and employer no later than fourteen calendar days after the examination.
Workers' compensation, surety and specialty lines
What it requires: Covered entities must not disclose protected health information for investigations into persons seeking, receiving, providing, or facilitating reproductive or gender-affirming health care services lawful in Hawaii. Insurers issuing medical malpractice policies must not deny, cancel, or refuse to renew policies solely because providers offer such lawful services. Health carriers must not terminate contracts with providers on that sole basis.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: A certified provider of vocational rehabilitation services shall automatically approve vocational rehabilitation services for an injured employee if the provider determines the employee will likely require such services to return to suitable gainful employment and is feasible to participate. An injured employee must select a certified provider within thirty days of referral, or the employer shall select one. Both must notify the other party within seven days.
Workers' compensation, surety and specialty lines
What it requires: Insurers must reasonably explain premium changes upon written request by policyholders. Insurers must provide written notice of cancellation no fewer than ten days before effective date, or twenty days for residential property policies except for nonpayment or material misrepresentation. Insurers must state specific reasons for cancellation or nonrenewal.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- SCR 50ESTABLISHING THE HAWAII HEALTH PLAN WORKING GROUP TO DESIGN AND RECOMMEND A BASIC, AFFORDABLE HAWAII HEALTH PLAN AVAILABLE TO EVERY RESIDENT OF THE STATE.Enacted 12 May 2026
What it does: Establishes the Hawaii Health Plan Working Group to design and recommend a basic, affordable health plan available to all state residents. The working group must submit findings and recommendations to the Legislature by twenty days before the 2027 Regular Session and ceases to exist June 30, 2027.
Health coverage and plan regulation
What it requires: The Hawaii property insurance association must provide property insurance to condominium associations meeting plan of operation criteria, with coverage limited to sixty months for high-rise condominiums. Licensed property and casualty insurers must pay assessments to fund the association and hurricane relief fund, recouping assessments through premium surcharges not exceeding two percent annually.
Property, catastrophe and climate risk
What it requires: Travel insurers must pay premium taxes on travel insurance sold to Hawaii residents. Limited lines travel insurance producers must license, register travel retailers, maintain compliance registers, designate a responsible producer, and ensure retailer training. Travel retailers and their employees cannot evaluate insurance terms or hold themselves out as licensed unless properly credentialed.
Licensing, solvency and market conduct
What it requires: Insurers issuing individual or group accident and health insurance policies and mutual benefit societies issuing hospital or medical service plan contracts in Hawaii must recognize pharmacists licensed under chapter 461 as participating providers, provide coverage for services provided by participating registered pharmacists within their scope of practice to the same extent as other health care providers, and pay or reimburse pharmacists for covered services. These requirements apply to policies and contracts delivered or issued for delivery on or after July 1, 2026.
Health coverage and plan regulation
What it requires: Health care providers must conduct an in-person visit within six months before an initial audio-only telehealth visit, or within twelve months before any subsequent audio-only visit, to be reimbursed for two-way, real-time audio-only telehealth services. Reimbursement for telehealth via interactive telecommunications system must be equivalent to in-person services. Verification of patient's lack of video capability or consent must be appended to claims for audio-only telehealth services.
Health coverage and plan regulation
What it requires: Utilization review entities doing business in the State must submit annual prior authorization data to the state agency by January 31 each year in a format specified by the agency. The state agency must compile and post findings by March 1. A health care appropriateness and necessity working group must research clinical standards and make recommendations on prior authorization processes.
Health coverage and plan regulation
What it requires: Insurers doing business in Hawaii must provide written notice to policyholders at least thirty days prior to cancellation and sixty days prior to nonrenewal of property casualty insurance policies. Notice must be sent by certified, electronic, or e-certified mailing. Longer notice periods required by title 24 or policy terms remain applicable.
Property, catastrophe and climate risk
What it requires: Pet insurers must disclose to consumers whether policies exclude preexisting conditions, hereditary disorders, congenital anomalies, and chronic conditions, plus waiting periods, deductibles, and claim payment bases. Pet insurers must provide a thirty-day free look period for applicants who have not filed claims. Insurance producers must complete training on preexisting conditions, waiting periods, and policy differences before selling pet insurance.
Licensing, solvency and market conduct
What it requires: Domestic mutual benefit societies, health maintenance organizations, and dental insurers must prepare and submit quarterly net solvency reports to the commissioner by the forty-fifth day after each of the first three calendar quarters and by March 1 for the fourth quarter, verified by at least two principal officers, and maintain current reports at their primary place of business.
Licensing, solvency and market conduct
Insurance in Hawaii, by topic
Health coverage and plan regulation
85 bills, 7 enacted. Enacted in 47 states.
Property, catastrophe and climate risk
51 bills, 4 enacted. Enacted in 31 states.
Licensing, solvency and market conduct
35 bills, 6 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
31 bills, 4 enacted. Enacted in 45 states.
Auto insurance
8 bills. Enacted in 29 states.
AI and data in underwriting and claims
5 bills. Enacted in 12 states.
Life insurance and annuities
2 bills. Enacted in 24 states.
Insurance bills in Hawaii
The bills not yet law, furthest along first, with what each would do.
18Enacted
81Past committee
91Introduced or inactive
190 bills in scope
Past committee
25 of 81 shown
What it would do: Establishes a three-year health coverage continuity pilot program administered by the department of human services to assist individuals who lose medicaid coverage by providing subsidies for federally facilitated marketplace silver plans or annual $1,000 subsidies for preventive services with high-deductible plans.
What it would do: Requires health insurers to cover clinical preventive services recommended by Hawaii's department of health without cost-sharing starting January 1, 2027, and protects healthcare providers from liability or discipline for providing such services in accordance with department recommendations.
What it would do: Creates a civil cause of action allowing individuals and insurers to sue fossil fuel companies for damages from climate disasters and extreme weather, with joint and several strict liability, and requires insurance rates to account for proceeds from such claims or subrogation actions.
What it would do: Requires homeowners insurers in Hawaii to permit additional living expenses benefits to be used for leasing temporary housing, issue advance payments of at least four months of such benefits within ten business days after a total loss during a state of emergency, and provide such benefits for a minimum of thirty-six months with six-month extensions for rebuilding delays.
What it would do: Requires homeowners insurers to allow policyholders thirty-six months from first actual cash value payment to submit documentation for full replacement cost value of dwellings after declared disasters, with up to four six-month extensions for good cause, and twelve months after repairs to recover personal property replacement cost value.
What it would do: Requests the State Auditor to assess the social and financial effects of mandating health insurance coverage for medically necessary biomarker testing under House Bill No. 1971, with findings due no later than twenty days before the 2027 Regular Session convenes.
What it would do: Requires mortgage servicers to disclose insurance proceeds disbursement conditions, approve borrower repair or rebuild plans within thirty days, and disburse proceeds based on borrower delinquency status and milestone completion, with specific timelines and interest-bearing account requirements.
What it would do: Amends reporting requirements for domestic mutual benefit societies, health maintenance organizations, and dental insurers to clarify submission deadlines for quarterly net solvency reports to the commissioner and standardizes penalty language for non-compliance.
What it would do: Requires the insurance division to study mechanisms to increase insurers in lava zones 1 and 2 and determine subsidies needed to lower homeowners insurance premiums to pre-downturn rates, with findings due to the legislature by twenty days before the 2027 regular session.
What it would do: Amends Hawaii's antitrust law to prohibit acquisitions that may substantially lessen competition, lessen access to health care, or increase insurance rates, and defines control and subsidiary for purposes of this prohibition.
What it would do: Establishes a Hawaii preventive services advisory committee to recommend clinical preventive services and requires health insurers to cover those services without cost-sharing, effective July 1, 2026.
What it would do: Requires vocational rehabilitation providers to automatically approve injured employees for services if the provider determines they will likely need rehabilitation to return to suitable gainful employment, and clarifies the process for selecting certified providers within thirty days of referral.
What it would do: Urges the Insurance Division to convene a working group to assess the State's insurance exposure to climate-related extreme weather, identify recovery mechanisms, and analyze legal means to seek recovery from responsible parties including oil and gas companies.
What it would do: Requests the Auditor to assess the social and financial effects of mandating health insurance coverage for brief cognitive assessments for individuals fifty years of age and older, as proposed by House Bill No. 1702, with findings due twenty days before the 2027 Regular Session.
What it would do: Requires utilization review entities doing business in Hawaii to submit annual prior authorization data to the state health planning and development agency by January 31, with the agency compiling and posting findings by March 1.
What it would do: Requests the Auditor to assess the social and financial effects of mandating health insurance coverage for medically necessary proton beam therapy for cancer treatment as proposed by House Bill No. 2145, with findings due no later than twenty days before the 2027 Regular Session.
What it would do: Expands workers' compensation medical benefits for firefighters with five or more years of service by broadening covered cancers and diseases beyond the original list, and requires employers to pay 110 to 150 percent of Medicare fees unless proving the condition was unrelated to firefighting duties.
What it would do: Requires pharmacy benefit managers reimbursing contracting pharmacies on a maximum allowable cost basis to disclose pricing data, update costs weekly, provide appeal processes, and allow claim reversal if appeals succeed. Establishes external complaint review and increases penalties to $10,000 per violation.
What it would do: Establishes comprehensive insurance fraud prevention mechanisms including prohibitions on claims harvesting, litigation financing fraud, and post-loss assignment abuse; creates centralized fraud database; enhances penalties up to $50,000 per violation; requires mandatory fraud reporting within 60 days; and strengthens enforcement during declared emergencies.
What it would do: Requires health insurance carriers in Hawaii to honor written assignments of benefits from patients to substance use disorder treatment providers and pay providers directly within thirty days of receiving a valid claim, and prohibits insurance policies from restricting such assignments.
What it would do: Requires the department of labor and industrial relations to establish a five-year voluntary portable health care benefit plan pilot program offering high deductible or catastrophic health plans to nontraditional workers ineligible for existing employer-sponsored coverage, and submit annual reports to the legislature.
What it would do: Establishes a tiered nonrefundable tax credit for qualified insurers offering federally qualified health savings account-eligible high deductible health plans, with enhanced credits for rural and medically underserved areas, and requires insurers to match policyholder first-time health savings account contributions up to a specified amount.
What it would do: Authorizes health care providers to dispense nonprescription, over-the-counter, or nonlegend drugs to injured employees for workers' compensation if clinically necessary and charged at prevailing retail prices at major pharmacy chains in Hawaii.
What it would do: Amends Hawaii workers' compensation law to define 'compounded prescription drug' by incorporating federal standards under 21 U.S.C. section 353a, requiring compounding by licensed pharmacists in state-licensed pharmacies for identified patients based on valid prescriptions.
What it would do: Amends Hawaii workers' compensation law to require employers accept treatment plans via mail, facsimile, or secure electronic means; allows physicians to transmit plans electronically; requires injury reports be submitted electronically as approved by the director; and updates related reporting procedures.
Showing the 25 furthest along of 172. Subscribers see all of them, filtered and searchable. Bill titles link to the Hawaii Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Hawaii have an insurance law?
Yes. Hawaii enacted 18 insurance laws in the 2025 and 2026 sessions, among them SB 2043, SB 2964 and HB 1864. Each is listed on this page with what it requires.
When do Hawaii's insurance laws take effect?
HB 1875 on 1 July 2026. The others have no single date in their text.
Which insurance bills are moving in Hawaii?
81 bills not yet law have passed a committee or a chamber, the furthest along HB 1546 (passed chamber), HB 1898 (passed chamber) and SB 1166 (passed chamber).
What does Hawaii legislate on most in insurance?
Health coverage and plan regulation (85 bills), Property, catastrophe and climate risk (51 bills) and Licensing, solvency and market conduct (35 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Hawaii
- AI in Hawaii49
- Alcohol in Hawaii30
- Cannabis in Hawaii46
- Children's Online Safety in Hawaii11
- Cybersecurity in Hawaii4
- Data center and energy in Hawaii2
- Data Privacy in Hawaii24
- Employment in Hawaii134
- Healthcare in Hawaii201
- Intellectual Property in Hawaii10
- Packaging and PFAS in Hawaii36
- Payments and fintech in Hawaii13
- Rental housing in Hawaii39
- Tobacco and nicotine in Hawaii21
- Transportation in Hawaii20
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Hawaii's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.