The Hawaii Prepaid Health Care Act, found at HRS Title 21, Chapter 393, generally requires
A. employers to provide covered employees who work a specified minimum number of hours per week with prepaid group health coverage.
B. employees to individually purchase their own major medical policy.
C. only government employers to offer health coverage.
D. insurers to cap group premiums at a fixed statewide rate.
Source: Hawaii Prepaid Health Care Act, HRS Title 21, Chapter 393
Hawaii's Temporary Disability Insurance (TDI) law, HRS Title 21 Chapter 392, is designed to
A. replace a portion of wages for employees who are temporarily unable to work due to a non-work-related injury or sickness.
B. provide permanent disability benefits for life.
C. cover only work-related injuries, duplicating workers' compensation.
D. fund long-term care facility stays.
Source: Hawaii Temporary Disability Insurance (TDI) law, HRS Title 21, Chapter 392
Hawaii's mandated benefit statutes for accident and health policies generally require that certain policies
A. exclude all coverage for mental health conditions.
B. include specified minimum benefits, such as particular mandated health coverages, as a condition of being sold in Hawaii.
C. have no minimum benefit standards at all.
D. be sold only by mutual insurers.
Source: HRS §§ 431:10-212; 431:10-217.5; 431:10A-115 thru 121, 133; 431:10A-206 thru 208
HRS § 431:10A-106(7), addressing cancellation, generally limits an insurer's ability to
A. cancel or nonrenew certain accident and health policies without following the statutory notice and permissible-reason requirements.
B. cancel a policy for nonpayment of premium under any circumstances.
C. ever nonrenew group coverage for any reason.
D. increase premiums upon renewal.
Source: HRS § 431:10A-106(7)
HRS § 431:10H-107, setting basic standards for long-term care (LTC) insurance in Hawaii, is intended primarily to
A. allow LTC policies to use unlimited, undefined preexisting condition exclusions.
B. establish minimum standards for policy provisions, disclosures, and consumer protections applicable to LTC insurance sold in the state.
C. exempt LTC insurers from any state oversight.
D. apply only to LTC policies sold to people under age 40.
Source: HRS § 431:10H-107
