Hawaii long-term care insurance: cost & coverage

Who regulates long-term care insurance in Hawaii

Long-term care insurance policies sold in Hawaii are regulated by the Hawaii Insurance Division (Dept. of Commerce and Consumer Affairs). If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in Hawaii

Median assisted living cost in Hawaii vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

Hawaii's LTC Partnership program

Hawaii does not currently have an active LTC Partnership program. Hawaii is one of the small number of states with no LTC Partnership program (also Alaska, Massachusetts, Mississippi, Utah, Vermont, and D.C.); out-of-state Partnership asset protection is not honored here.

Without a Partnership-qualified policy, benefits paid out don't create extra Medicaid asset protection. Learn more about how Partnership programs work and which states currently have one.

How to compare quotes in Hawaii

• Confirm any agent or carrier you talk to is currently licensed to sell in Hawaii — the Hawaii Insurance Division (Dept. of Commerce and Consumer Affairs) can confirm licensing status.
• Ask which products a carrier is actively writing in Hawaii today — availability changes state by state and year to year. See carriers we compare.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Hawaii Insurance Division (Dept. of Commerce and Consumer Affairs) or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Hawaii's insurance regulations or Medicaid program.

Last updated: July 30, 2026