HONOLULU (AP) You don’t have to look far to find an old-fashioned doctor’s appointment, or a new dentist, or even a massage therapist.
That’s the promise of a nationwide health insurance exchange in Hawaii.
But that won’t be for a long time.
The first sign that the federal government will start accepting health insurance next month is the fact that the state’s exchanges will be limited to those who currently have coverage under the Affordable Care Act.
And that means you can’t use a tax credit or employer subsidy to pay for a routine visit.
“The fact is that it is going to take a little bit longer to get the first wave of coverage through the exchanges,” said Dan Arel, a health care economist at the University of Hawaii-Manoa.
“I expect to see some of these things being phased in, but they’re going to be quite slow.”
To find an insurer in Hawaii, you’ll need to get an individual or small group health plan, or have someone pay for it.
It’s important to remember that the exchange is open to anyone in the U.S., regardless of their income.
The federal government has provided $5 billion to cover some of the costs.
Hawaii is not one of the states that has opted out of the federal health care law, but it is one of five that have set their own rules.
Other states have made it a priority to get insurance through the exchange.
Some people may not be happy with the new requirements, but those who are can still find coverage on the state-run health insurance marketplace.
In Hawaii, the state government is required to provide subsidies to help people afford coverage.
The subsidies are based on age and income, and are determined by income and family size.
But it is unclear how much they’ll be enough to pay, and it could take several months before the subsidies are in place.
People who are eligible for subsidies can find out how much it will cost them on the government’s online tool.
For those who don’t qualify, they can check out the Department of Health Insurance website, which offers a free, navigable guide to getting coverage.
Hawaiian HealthCare plans are required to cover at least 80 percent of residents with incomes up to 200 percent of the poverty level.
But most people can qualify for coverage, even those earning up to $15,000.
“I think the general consensus among our insurers is that the number of people eligible for subsidy will be a fairly low percentage,” said Julie Kipson, an associate vice president at HHI Health Care.
Some residents are being asked to pay more for insurance, but not necessarily because of cost.
Some of the people who don, say, work as truck drivers and do not have employer-sponsored insurance, will likely have a premium increase.
Insurance companies are also paying higher premiums for those with preexisting conditions because of the requirements for coverage under Obamacare.
“Some of the cost increase is actually being passed along to consumers, which is going toward higher premiums,” said Daniel Schulman, a senior research associate at the Kaiser Family Foundation.
Hawkins insurance commissioner said she’s hopeful the government will get around to making payments to insurers.
“It’s hard to say when that will happen,” she said.
“We want to make sure that there’s some flexibility so we can adjust that in the marketplace.”
In addition to the subsidies, the insurance marketplaces will also have some new regulations that will be phased in over the next few months.
They include requiring insurers to offer health plans that include certain benefits, such as preventive care and maternity care.
They also will have a new tax credit, which will be available to people who can’t afford to pay the full premium.
In addition, insurers will have to cover certain types of services, such medical devices, surgical procedures and mental health services.
The health insurance exchanges will begin accepting applications on July 6.