HRS §431:10A-605
Rules for short-term health insurance policies
This section limits short-term health insurance. Insurers cannot sell or renew these policies to people who could have bought insurance through the federal marketplace in the past year. Any such policy sold in Hawaii must last less than 91 days.
The statute, as written — Short-term, limited-duration health insurance
(a) No insurer shall issue, renew, or re-enroll an individual in a short-term, limited-duration health insurance policy or contract if the individual was eligible to purchase health insurance through the federal health insurance marketplace during an open enrollment period, as provided by title 45 Code of Federal Regulations section 155.410, or a special enrollment period, as provided by title 45 Code of Federal Regulations section 155.420, in the previous calendar year; provided that any short-term, limited-duration health insurance coverage policy or contract that is delivered or issued for delivery in the State shall have an expiration date in the contract that is less than ninety-one days. (b) For the purposes of this section: "Renew or re-enroll" means the issuance of the same or a new short-term, limited-duration health insurance policy or contract to an individual who has been covered by a short-term, limited-duration health insurance policy or contract at any time within the previous calendar year. "Short-term, limited-duration health insurance" means health insurance coverage provided to an individual under a policy or contract offered by a licensed insurer, regardless of the situs of the delivery of the policy or contract, that has a specified, short-term limited duration of less than ninety-one days and does not meet all of the requirements otherwise applicable to individual health insurance.
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