HRS §431:12-104
Mass merchandising insurance is banned in certain cases
Read the official text at capitol.hawaii.gov ↗This law stops insurance companies from selling group insurance to groups formed mainly to get that insurance, or to employees whose employer forces or penalizes them for not buying it. It is a narrow rule about when mass merchandising is not allowed.
everyone
The statute, as written — Mass merchandising prohibited; when
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) No insurer shall mass merchandise insurance to members of any association or organization formed principally for the purpose of obtaining the benefits of mass merchandising. (b) No insurer shall mass merchandise insurance to employees of any employer which requires the purchase of or participation in insurance sold on a mass merchandising basis as a condition of employment, or which subjects any employee to any penalty for failure to purchase or participate in insurance sold on a mass merchandising basis.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.