Insurance in Honolulu
Data source: US Census year 2000
Compare Health Insurance Providers
Uninsured in Honolulu County
Honolulu is the county seat of Honolulu County.
One out of ten people in Honolulu County (12.4%) lack health insurance. In the state of Hawaii, 13.1% are without.
Among the population under 18 years in Honolulu County, 9.5% are uninsured, while the figure for Hawaii is 10.1%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Honolulu
Cities are generally less safe to live in than small towns. Violent crime in Honolulu is 59% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Honolulu is 215.2% higher than nationally.
There are 3039 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Honolulu (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 76% of Honolulu residents drove to work, and 12% used public transport. 7% walked to work, 1% rode a motorcycle, and 1% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Honolulu, Hawaii Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
Compare health insurance quotes now!
Local Health Insurance Agents in Honolulu, Hawaii
-
Ching, Eunice C - State Farm Insurance Agent
(808) 395-3434377 Keahole St 210
Honolulu, Hawaii 96825-3405 -
Dawson International
(808) 528-2500900 Fort Street Mall
Honolulu, Hawaii 96813-3721 -
Frost, Cynthia Leiko - State Farm Insurance Agent
(808) 735-83003465 Waialae Ave Ste 360
Honolulu, Hawaii 96816-2638 -
Fujikawa, Herbert T - State Farm Insurance Agent
(808) 732-10763538 Waialae Suite 205
Honolulu, Hawaii 96816-2742 -
Gomes, John A - State Farm Insurance Agent
(808) 531-9918841 Bishop St Ste 203
Honolulu, Hawaii 96813-3920 -
Guerrero, Henry L - State Farm Insurance Agent
(808) 839-75111024 Mapunapuna St
Honolulu, Hawaii 96819-4417 -
Hawaii Dental Group Inc Seven Waterfront Plaza
(808) 523-3103500 Ala Moana Blvd Ste 7
Honolulu, Hawaii 96813-4930 -
Hawaii Medical Service Association
(808) 948-5555818 Keeaumoku St
Honolulu, Hawaii 96814-2365 -
Health Management Network Inc
(808) 951-46211440 Kapiolani Blvd Unit 10
Honolulu, Hawaii 96814-3600 -
Healthplan 808
(808) 536-4188
Honolulu, Hawaii 96813 -
Higa, Gwenette A - State Farm Insurance Agent
(808) 531-9918841 Bishop St #203
Honolulu, Hawaii 96813-3921 -
Hma Inc Pacific Guardian Tower
(808) 951-4647, (808) 951-46211440 Kapiolani Blvd Unit 10
Honolulu, Hawaii 96814-3600 -
Hmaa-Hawaii Management Alliance Association Administration & Marketing
(808) 591-0088737 Bishop St Ste 1200
Honolulu, Hawaii 96813-3205 -
Hmsa-Hawaii Medical Service Association Blue Cross and Blue Shield of Hawaii, Hmsa Center
(808) 948-5555818 Keeaumoku St
Honolulu, Hawaii 96814-2365 -
Hoala Dental Program Hawaii Family Dental Centers
(808) 523-3103500 Ala Moana Blvd Unit 22
Honolulu, Hawaii 96813-4926 -
Huey, John P
(808) 593-84031345 S Beretania St Ste 101
Honolulu, Hawaii 96814-1821 -
Ito Roy T
(808) 847-08352046 N King
Honolulu, Hawaii 96819-3458 -
Kam-Young, Doug - State Farm Insurance Agent
(808) 988-70112841 Kaonawai Pl
Honolulu, Hawaii 96822-1812 -
Lee Robert E
(808) 988-80572733 E Manoa Rd #204
Honolulu, Hawaii 96822-1821 -
Lee, Gerald T - State Farm Insurance Agent
(808) 732-25253615 Harding Ave #303
Honolulu, Hawaii 96816-3759 -
Mdx Hawaii
(808) 522-7500500 Ala Moana Blvd Unit 200
Honolulu, Hawaii 96813-4914 -
Mitsuka, Leslie J - State Farm Insurance Agent
(808) 949-2955931 University Ave Rm 304
Honolulu, Hawaii 96826-3270 -
Nakajo, Glenn T - State Farm Insurance Agent
(808) 955-26282615 S King St Suite 203
Honolulu, Hawaii 96826-3289 -
Nakamura, Gary T - State Farm Insurance Agent
(808) 734-32651016 Kapahulu Avenue Suite 25A
Honolulu, Hawaii 96816-1353 -
Nakano Shawn P
(808) 587-6116210 Ward Ave Ste 116 Bldg B Ward Plaza
Honolulu, Hawaii 96814-4000 -
Nomura, Dean K - State Farm Insurance Agent
(808) 845-00691284 Kalani St Ste D-108
Honolulu, Hawaii 96817-4939 -
R/Xx Pharmacy Solutions Inc
(808) 951-46211440 Kapiolani Blvd Unit 10
Honolulu, Hawaii 96814-3600 -
Saito, Scott S - State Farm Insurance Agent
(808) 946-84641580 Makaloa St Ste 102
Honolulu, Hawaii 96814-3216 -
Silva, Stephen A - State Farm Insurance Agent
(808) 839-12242885 Paa St #205
Honolulu, Hawaii 96819-4432 -
Stewart, Wesley - State Farm Insurance Agent
(808) 951-08661585 Kapiolani Blvd Suite 1235
Honolulu, Hawaii 96814-3000 -
Tj Bosgra Insurance Agency Inc
(808) 737-56621215 Hunakai St #203
Honolulu, Hawaii 96816-4661
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Honolulu Facts
Data source: US Census year 2000
Population
Population in Honolulu is 364,522.
56% of Honolulu residents are Asian, 21% are White, 15% are a mix of two or more races, 6% are Pacific Islander, 2% are African-American, and 1% are of some other race.
Economy
The median income in Honolulu is $36,573 for men, and $26,224 for women.
Compared to the typical person in the state of Hawaii, a resident of Honolulu makes 3.1% more. The trend for Hawaii is that the median income is increasing. (2006)
25,965 people (7% of the population) were living on an income below the poverty level as of 2006. The poverty in Honolulu was decreasing compared to the year before.
The typical home is worth $583,300. 42% of Honolulu homeowners own their home outright, paying typically $438 per month in owner costs. Among those with a mortgage (58% of homeowners), the median monthly owner cost is $2,188. (2006)
Housing
There are a total of 160,459 homes in Honolulu. Of these, 724 were for sale, and 4,905 homes were available to rent in 2006. 70,599 (51%) were owner-occupied, and 68,487 (49%) were occupied by renters. (2006)
Age
The median age for men in Honolulu is 40, and in Hawaii the average man lives to be 77. The median age for women in Honolulu is 44, and women in Hawaii live to be 83, on average. (2006)
Education
The education level in Honolulu is high compared to the national average.
Among men over 25, 46% has a college degree, and 17% has some college. Out of the men that didn't study in college, 69% graduated from High School, and 31% dropped out.
Among women over 25, 43% has a college degree, and 16% has some college. Out of the women that didn't study in college, 64% graduated from High School, and 36% dropped out. (2006)
© HBrothers 2007. Contact us. Header image by Flickr.com user audreyjm529 (CC BY license).