HRS §431:10H-207
Rules for premium increases on long-term care policies
Read the official text at capitol.hawaii.gov ↗This section says your insurance company cannot raise your premium just because you get older past 65 or because you have had the policy for a long time. Buying extra coverage or reducing your benefits is not treated as a premium increase, but it affects how your initial premium is calculated for other rules.
The statute, as written — Premiums charged--group and individual policies
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
(a) The premium charged to an insured shall not increase due to either: (1) Increasing age of the insured at ages beyond sixty-five; or (2) The duration the insured has been covered under the policy. (b) The purchase of additional coverage shall not be considered a premium rate increase, but for purposes of the calculation required under section 431:10H-233, the portion of the premium attributable to the additional coverage shall be added to and considered part of the initial annual premium. (c) A reduction of benefits shall not be considered a premium change, but for purpose of calculation required under section 431:10H-233, the initial annual premium shall be based on reduced benefits.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.