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Compare health insurance agents in Kapaʻa. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Kapaʻa, HI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Hawaii before hiring.
Showing 4 health insurance agents in Kapaʻa, HI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Donovan Gardner: Allstate Insurance
4-901 Kuhio Hwy Ste 112, Kapaʻa, HI 96746
(808) 212-9848
agents.allstate.com
Darrellyn Lemke - State Farm Insurance Agent
4-1593 Kuhio Hwy, Kapaʻa, HI 96746
(808) 822-7335
darrellynlemke.com
Hawaiʻi Life
4-1379 Kuhio Hwy Suite 101, Kapaʻa, HI 96746
(800) 370-3848
hawaiilife.com
Insurance Factors
5196 Kome St, Kapaʻa, HI 96746
(808) 822-3097
insurancefactors.com
Health insurance agents in Kapaʻa help individuals and families find coverage that meets their needs. Hawaii law requires most employers to provide health insurance to employees working 20 hours or more per week under the Hawaii Prepaid Health Care Act. Agents can guide you through private plans, Medicare, and Medicaid options available on Kauai.
What Does a Health Insurance Agent in Kapaʻa Cost?
Health insurance agent services in Hawaii are typically free to consumers. Agents earn commissions from insurance carriers, which are built into plan premiums. Commissions range from 2% to 5% of annual premium for individual plans, and up to 10% for some Medicare products. Costs vary by carrier and plan type. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a health insurance agent in Kapaʻa do?
A health insurance agent helps you compare plans from different carriers and enroll in coverage. They explain benefits, premiums, and out of pocket costs. Agents are licensed by the Hawaii Department of Commerce and Consumer Affairs.
Do I need a health insurance agent in Hawaii?
You do not need an agent but using one can save time and help you avoid mistakes. Agents know Hawaii specific rules like the Prepaid Health Care Act and can help with special enrollment periods. Their services are usually free to you because they are paid by insurance companies.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Hawaii.