Health and Life Insurance Benefits


The State offers eligible employees a choice of health insurance plans – medical, drug, chiropractic, dental, and vision – through the Hawai‘i Employer-Union Health Benefits Trust Fund (EUTF). The EUTF is administratively attached to the Department of Budget and Finance and is under the direction of a Board of Trustees. For more information on the State’s health care plans, please visit the EUTF website at:


The State’s Premium Conversion Plan (PCP) provides an opportunity to most health care plan participants to save some tax dollars and make the most of their paychecks. Employees of the State who are enrolled in any health care plan offered through the EUTF that qualifies under the PCP Rules, may participate and have their income taxed after their health care plan contributions are deducted, so their take-home pay should be greater than if not enrolled in the PCP.


The State currently pays the monthly premium for group life insurance coverage for eligible employees. No employee contributions are required. This is offered through the Hawai‘i Employer-Union Health Benefits Trust Fund (EUTF). For more information on the Group Life Insurance Plan, visit the EUTF website at

Also, some employee organizations (such as unions) offer additional group life insurance plans on a voluntary, self-pay basis. For more information on the alternative group life insurance plans, please call your Employee Organization Representative, as appropriate.