Welcome to UHA.

Health insurance can be complex and time-consuming. We're different. We believe employee health insurance should be simpler and more caring.

etter value. But we didn’t stop there.

Better Value

We’re dedicated stewards of your premium dollars, and deliver maximum benefits and services to our members.

Better Value

We’re dedicated stewards of your premium dollars, and deliver maximum benefits and services to our members.

Better Service

As a smaller company we’re more accessible. We’re quick to respond when you need us.

Better Service

As a smaller company we’re more accessible. We’re quick to respond when you need us.

Better Care

Because we’re physician-founded, we put the doctor patient relationship first.

Better Care

Because we’re physician-founded, we put the doctor patient relationship first.

Large Local Network

No health insurance company in Hawaii has a bigger statewide network of medical providers.*

Large Local Network

No health insurance company in Hawaii has a bigger statewide network of medical providers.*

Easier to Work With

From choosing the right plans to providing timely claim resolution, we make health insurance easier.

Easier to Work With

From choosing the right plans to providing timely claim resolution, we make health insurance easier.

Local Company

We keep decisions about your medical care right here in Hawaii, not the Mainland.

Local Company

We keep decisions about your medical care right here in Hawaii, not the Mainland.

* Based on UHA provider network count as of January 2020. Subject to change.

Benefit Comparison

See why thousands of businesses choose UHA each year.

Benefits UHA
Large local network of providers
Clear and simple options to choose from
Nationally recognized leader in workplace wellness
Online Member Services: ID cards, benefits, claims
Online Employer Services, billing & enrollment
Easy and quick online authorized services
Locally-owned company
Physician-founded, physician-inspired
All medical insurance decisions made in Hawaii
Cost UHA
3000 (Bundle)
UHA
600 (Bundle)
HMSA
PPA
HMSA
PCA
HMSA
PPB
Deductible $200 $0 $0 $200 $300
Max out-of-pocket $2,200 $2,500 $2,500 $2,200 $3,000
Co-pay $12 $0 $12 $12 $20
Co-insurance 20% 10% 10% 20% 20%

Our Plans

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UHA 3000 (Bundle)

Low annual deductible and $12 co-pay for most physician services.

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UHA Plus (600 Bundle)

No annual deductible and UHA covers 90% of the cost of physician services.

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What people are saying about UHA.

Hear what employers have to say about their experiences with UHA.

View All Testimonials

Frequently Asked Questions

University Health Alliance.

In 1996, a group of physician teachers at the University of Hawaii John A. Burns School of Medicine decided to make a difference. They created the University Health Alliance to bring a simpler, more caring approach to employee health insurance. Since then, UHA has grown to offer the largest physician network in Hawaii.

We believe good health is one of the keys to living the best life possible. That’s why we were the first health insurer in Hawaii to provide 100% coverage for wellness and preventive medicine, including annual physical exams, seasonal flu vaccines and a variety of health screenings. Better health leads to a better life.

It’s actually a straightforward process. Here are the details:
1. You get a quote from us.
2. You agree to the quote and pay the first premium.
3. You enroll your employees.
4. We send the member ID cards to each of your employees.
That’s all there is to it!

Once you apply, our proposal will come back to you within a week. Enrollment times vary based upon your review time and the number of people in your employ. Your member ID cards will arrive 5 to 10 days later. Check out our Timeline.

Not everybody needs a nurse visit. But when your condition is being managed due to complications or serious diagnosis we come by and offer our help and advice.

No, we don’t.

It is an unfortunate fact of life in the current healthcare industry that costs tend to increase from year to year. That said, we’ve done our best over the last several years to keep our rates as low as possible, even as factors out of our control — such as the cost of prescription drugs — have gone up.

No. We offer business plans for companies of all sizes.

No. All of our plans allow you to choose from our extensive list of providers. No insurance company in Hawaii has a larger provider network than UHA’s.

Very secure. We consistently maintain at least double the state-required amount of financial reserves.

No, we don’t. All decisions on services requiring prior authorizations are made in-house, right here in Hawaii. This frequently results in shorter pre-authorization times.

All prior authorizations are done within two weeks. Online submissions take about a week, and urgent situations are handled within 72 hours.

Here’s a partial list of some commonly used health coverage and medical terms.

Contact Us

Whether you’re an employer looking for a health plan or a current UHA member, we’re here to make things simpler for you.

UHA Standard
Deductible$20
Max out-of-pocket$2,20
Co-pay$12
Co-insurance20%
UHA Standard
Deductible$20
Max out-of-pocket$2,20
Co-pay$12
Co-insurance20%