Hawaii Medical Service Association (HMSA) is Hawaii's largest health insurance company. The not-for-profit company serves some 726,500 members and is an independent licensee of the Blue Cross and Blue Shield Association. Hawaii Medical Service Association's insurance plans include Health Plan Hawaii (HMO), preferred provider plans (PPOs), and traditional indemnity, as well as supplemental Medicare and high-deductable plans. The company serves both employer groups and individual members. In addition to health plans, the company covers dental and vision services and prescription drugs. HMSA also provides wellness, disease management, and health education services. It was formed in 1938.


Most of HMSA's members are part of its 15,000 employer group accounts. The others are served through individual policies. More than 500,000 customers also opt in on the company's prescription drug coverage plans, while 400,000 have vision benefits and about 200,000 participate in a dental plan.

HMSA covers more than half of Hawaii's residents, and its provider network includes more than 95% of the state's doctors.

Financial Performance

HMSA has increased its revenues over the past few years. It reported some $2.9 billion in revenue in 2014, compared to a little over $2.6 billion in 2013. Net income in 2014 totaled $4.2 million. The company prides itself on its record of applying more than 90% of premiums towards member claims.


HMSA has been working to improve its service to all customers. It got out ahead of the Affordable Care Act by instituting programs that pay doctors based on outcomes. It has also been opening local neighborhood centers to make its services more accessible to customers. 

Company Background

HMSA was established in 1938.

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818 Keeaumoku St Ste 200
Honolulu, HI 96814-2393
Phone: 1 (808) 948-6111
Fax: 1 (808) 948-6863


  • Employer Type: Private Mutual Company
  • President and CEO: Michael A. Gold
  • Chairman: Robert S. Harrison
  • Vice Chairman: John T. Komeiji

Major Office Locations

  • Honolulu, HI

Other Locations

  • Haleiwa, HI
  • Hilo, HI