Small Business Health Plans (1–50 Employees)

HMAA offers the following health plan options to small businesses. The Hawaii Insurance Commissioner has confirmed the State of Hawaii definitions are as follows:

  • Small Group: 1 to 50 full-time equivalent employees (FTEs)
  • Large Group: 51 or more FTEs

Group size is determined as follows:

  • Under the Affordable Care Act (ACA), an FTE is an employee who worked at least 30 hours per week during the preceding calendar year, and part-time employees are included in the calculation. Example: 3 employees each working 20 hours per week = 2 FTEs.
  • Companies with a common owner or are otherwise related are generally combined and treated as a single group, and employees are combined for purposes of determining group size.

Medical Plans

Medical Plans (with Drug and Pediatric Benefits)
  • Option Plus Two (OP2) – HMAA’s most comparable plan to Hawaii’s largest Preferred Provider Plan (PPP), with added benefits that include Chiropractic Care, Acupuncture, Naturopathic Care, Wellness and Preventive Care, and Employee Assistance Programs. It also includes a drug co-payment plan of $12/$24/$48 with co-insurance.
  • Comprehensive Plus – A lower-cost alternative to OP2, this plan offers fixed copayments for office visits and minimal copayments for preventive benefits. In addition, Comprehensive Plus includes Chiropractic Care, Acupuncture, Wellness and Preventive Care, and Employee Assistance Programs. It also includes a drug co-payment plan of $12/$24/$48 with co-insurance.
Essential Health Benefits Covered Under Medical Plans for Small Businesses
  • Essential Health Benefits include coverage for Ambulatory, Emergency, Hospitalization, Maternity and Newborn Care, Mental Health and Substance Abuse, Prescription Drugs, Rehabilitative and Habilitative, Laboratory, Preventive, Wellness, Chronic Disease Management, and Pediatric Dental & Vision Services.
  • Pediatric Benefits for dental and vision care are provided to children through age 18.
  • Prescription Plan Information – HMAA’s prescription plans provide you with a wide network of pharmacies and are structured to encourage generic drug utilization without sacrificing quality outcomes. View details on co-payments, the formulary drug list, home delivery services, and online prescription plan management.


Dental Plans

HMAA has a variety of quality dental plans to fit your employees’ needs. Our extensive dental network includes more than 600 dentists throughout Hawaii.


Vision Plans

HMAA offers high-quality vision plans that combine competitive pricing and a wide network of vision service providers.

Life and AD&D

Life Insurance and AD&D

These supplemental benefits are available to your employees when purchased with one of our Medical Plans.

Active&Fit® Program

Active&Fit® Program

HMAA offers the Active&Fit® Program as an optional medical plan rider. Purchasing this benefit provides your eligible members with access to 9,000+ participating fitness centers nationwide at a low annual cost of $100, or the option to work out at home using up to two Home Fitness Kits per benefit year at an annual cost of $10. The additional monthly premium is paid by the group for all medical plan members, with the annual fee paid by each member who elects to enroll. All members enjoy quarterly online newsletters and fitness tools through the Active&Fit® website. The minimum age requirement is 18, and the plan administrator decides whether to offer the benefit to covered employees only, or extend coverage to dependents aged 18 and older. Certain exclusions and requirements apply.

Important: Members currently enrolled in the Active&Fit DirectTM program (not employer-sponsored) for $25 a month should cancel their Active&Fit DirectTM enrollment before enrolling in this Active&Fit® Program rider. Please log into the Active&Fit DirectTM website, or contact Active&Fit DirectTM Customer Service for assistance.