About Prepaid Health Care Act (PHCA)
Hawaii is the only state with mandatory employer-provided health insurance. Under the Prepaid Health Care Act, employers must provide health insurance to any employee working 20+ hours per week for 4+ consecutive weeks. Employers pay at least 50% of premiums. This is unique in the entire U.S.
How to Apply in Hawaii
- If you work 20+ hours per week for 4+ consecutive weeks, your employer must provide health insurance
- Your employer selects and enrolls you in a state-approved health plan
- Your share of premiums cannot exceed 1.5% of your gross wages
- If your employer is not providing coverage, file a complaint with the Disability Compensation Division
- Coverage begins after you meet the 4-week qualifying period
Documents You May Need
- Pay stubs showing 20+ hours/week
- Employment records showing 4+ consecutive weeks
Contact & Official Links
Phone: 1-808-586-9161
Official website: labor.hawaii.gov/dcd/home/about-phc
See Everything You Qualify For in Hawaii
Prepaid Health Care Act (PHCA) is one of many programs you may be eligible for. Beneify screens your household against the full program list — free, private, about 3 minutes.
Start Free Screening ›Frequently Asked Questions
How much is Prepaid Health Care Act (PHCA) worth?
Prepaid Health Care Act (PHCA): Worth $5,000-$10,000+/year in coverage. Eligible households may receive a benefit worth up to ~$625 per month.
Prepaid Health Care Act (PHCA): Worth $5,000-$10,000+/year in coverage. Eligible households may receive a benefit worth up to ~$625 per month.
How do I apply for Prepaid Health Care Act (PHCA) in Hawaii?
To apply: If you work 20+ hours per week for 4+ consecutive weeks, your employer must provide health insurance. Your employer selects and enrolls you in a state-approved health plan. Your share of premiums cannot exceed 1.5% of your gross wages. You can also call 1-808-586-9161. Official website: https://labor.hawaii.gov/dcd/home/about-phc/
To apply: If you work 20+ hours per week for 4+ consecutive weeks, your employer must provide health insurance. Your employer selects and enrolls you in a state-approved health plan. Your share of premiums cannot exceed 1.5% of your gross wages. You can also call 1-808-586-9161. Official website: https://labor.hawaii.gov/dcd/home/about-phc/
Who qualifies for Prepaid Health Care Act (PHCA)?
Hawaii is the only state with mandatory employer-provided health insurance. Under the Prepaid Health Care Act, employers must provide health insurance to any employee working 20+ hours per week for 4+ consecutive weeks. Final eligibility is determined by the program when you apply. Beneify's free screener can estimate your eligibility in about 3 minutes.
Hawaii is the only state with mandatory employer-provided health insurance. Under the Prepaid Health Care Act, employers must provide health insurance to any employee working 20+ hours per week for 4+ consecutive weeks. Final eligibility is determined by the program when you apply. Beneify's free screener can estimate your eligibility in about 3 minutes.