Under a transitional policy outlined by former President Obama and approved by the Hawaii Division of Insurance in 2013, health insurers are able to continue coverage that would otherwise be terminated, cancelled or modified as a result of the Affordable Care Act (ACA) compliant policy and rate structure. Since then, CMS announced a number of extensions to this transitional policy, and HMAA has chosen to provide this additional flexibility to our clients.

  • On March 23, 2022: Extended where health plans may retain grandmothered status until CMS announces they must come into compliance with the relevant ACA requirements.

HMAA small businesses whose health plans are affected by the transitional policy (also called “grandmothered” health plans) have been notified about their ability to maintain their current coverage.

This does not impact all HMAA clients. You are a grandmothered group affected by this transitional policy if your business:

  • Has 50 or fewer full-time equivalent employees;
  • Is not currently enrolled in a grandfathered health plan; and
  • Obtained HMAA coverage before October 1, 2013.

If you are an HMAA group that is not affected by this transitional policy, you do not have to do anything at this time, and we will contact you prior to your next scheduled renewal.