Plan Benefits Hawai‘iSELF-EMPLOYED PLANS
(808) 292-1084 Book your free comparison
For O‘ahu's Self-Employed · 1099 · Small Business Owners

Working for yourself shouldn't mean overpaying for healthcare.

No employer hands you a benefits package — so we built the next best thing. See your current plan side by side with a healthcare strategy designed for the self-employed. Free, local, no pressure.

Get my free savings comparison Call (808) 292-1084

30 minutes · Zoom or in person · Enroll any month of the year — no open-enrollment window required.

Local & independent since 2005 No cost to you Keep your own doctors

The Free Savings Comparison

Value of clarity: priceless. Cost to you: $0.

  • A side-by-side of your current premium and deductible vs. a plan built for 1099 life
  • Your real numbers — personalized quotes, not marketing averages
  • Honest fit assessment, including if your current plan is the better choice
  • Plain-English answers on health sharing, cash-benefit plans, and how they work together
Pick a time that works →
Who this is for

Built for how Hawai‘i actually works.

Real estate agents

1099 income, no employer plan, and every dollar of premium comes off your commission.

Small business owners

Quotes for small-group coverage made you close the laptop. There's another way.

Contractors & trades

Independent by design — your healthcare can be too.

Gig & freelance workers

Drivers, creatives, trainers, stylists — steady protection for variable income.

Early retirees (pre-65)

Bridging the years to Medicare without a $1,000+ monthly premium.

Aged off a parent's plan

Just turned 26? Healthy and price-sensitive is exactly who this fits best.

How it works

Two pieces, one strategy.

Instead of one expensive policy trying to do everything, we pair two purpose-built programs — one for the big events, one for everyday care.

Impact Health Sharing

Medical cost sharing community — not insurance
  • Members share eligible medical bills — hospitalization, surgery, procedures, and more
  • No provider network — visit any doctor or hospital
  • Up to $500,000 per member shared annually; maternity sharing up to $150,000 per delivery
  • No religious membership requirement and no health requirements to join
  • $0 on-demand telehealth included
  • Wellness Rewards can lower your household's responsibility amount by up to $150/month

ManhattanLife Affordable Choice

Fixed indemnity insurance — not major medical
  • Pays fixed cash benefits directly to you — doctor visits, urgent care, ER, hospital days, surgery, prescriptions, labs & imaging
  • Premiums start under $80/month; issue ages 18–64
  • No waiting periods and no network restrictions
  • Hospital confinement benefit grows 25% per year through year 5
  • Cancer benefit included; optional Specified Disease Rider available
  • $5,000,000 lifetime maximum on the base plan

Together: the sharing community handles the big events, and the cash benefits help with day-to-day care and out-of-pocket responsibility. Many self-employed households find the combined monthly cost meaningfully lower than an unsubsidized marketplace plan — your comparison will show your exact numbers.

The process

Three steps. Thirty minutes. Your numbers.

Grab two numbers

Your current monthly premium and your deductible. That's all you need to bring. (Going without coverage? Just bring yourself.)

See the side-by-side

We build your personalized comparison on the spot — monthly cost, what happens when you use care, and total annual exposure under each option.

Decide on your timeline

No pressure, no obligation. If it fits, you can enroll any month of the year. If your current plan wins, we'll tell you that too.

Honest answers

Questions everyone asks.

Is health sharing actually legit?
Health sharing has been around for more than 27 years. It's not insurance — it's a community of members who share eligible medical bills according to published guidelines. It has rules and limits, and we'll walk you through them honestly, including the situations where it's not the right fit.
Can I keep my own doctors?
Yes. Impact Health Sharing has no provider network — members can visit any doctor or hospital. Affordable Choice has no network restrictions either; its benefits are paid directly to you regardless of which provider you see.
What about pre-existing conditions?
Impact shares pre-existing conditions with restrictions: a condition must be free of signs, symptoms, testing, diagnosis, or treatment (including medication) for 36 consecutive months before membership for full sharing. This is one of the most important things to review in your consultation — bring your questions and we'll go through your specific situation.
Do I have to wait for open enrollment?
No. Unlike marketplace plans, you can enroll in both programs any month of the year. That also means you can take your time deciding — no deadline pressure.
How much will I actually save?
It depends on your age, household, and current plan — which is exactly why we don't publish a one-size-fits-all number. Many self-employed households see meaningful monthly savings versus unsubsidized marketplace coverage; some don't, and we'll tell you if you're one of them. The comparison is free either way.
What does your service cost?
Nothing. Like our Medicare services, we're compensated by the programs and carriers we work with, so your comparison, enrollment help, and year-round support are always free.
Book your free comparison

Pick a time. Bring two numbers. See for yourself.

30 minutes with a local, independent advisor — serving O‘ahu since 2005. No cost, no pressure, and honest answers even if the answer is "keep what you have."

Prefer to talk first? Call (808) 292-1084.

Important disclosures: Impact Health Sharing is a medical cost sharing community, not an insurance company, and its programs are not insurance policies. Participation is not a contract of insurance; sharing of eligible medical expenses is voluntary among members and is not guaranteed. Health sharing programs are not required to comply with the Affordable Care Act and do not constitute minimum essential coverage.

ManhattanLife Affordable Choice is a hospital confinement and other fixed indemnity insurance policy. It pays fixed daily cash benefits for covered events regardless of actual cost. It is not major medical insurance and is not a substitute for comprehensive health coverage. Benefits, riders, and premiums vary by plan and age; limitations and exclusions apply. Ask your advisor for complete plan documents before enrolling.

Savings vary by individual circumstances and are not guaranteed. A personalized comparison will reflect your actual quotes.