UHA Health Insurance

What UHA Health Insurance does

UHA Health Insurance (legal name University Health Alliance) is a private, physician-founded mutual benefit society headquartered in Honolulu, Hawaii, operating as a health insurer exclusively serving Hawaii employers and their employees. Founded in 1996 by physician educators at the University of Hawaii John A. Burns School of Medicine, UHA is the only homegrown, physician-led health plan in the state and was the first Hawaii insurer to offer wellness and prevention-focused plans. The company sells bundled medical, drug, and vision plans — UHA 3000, UHA One Plan, and UHA 600 — directly to employer groups of all sizes and through broker/agent channels, with no individual or Medicare products offered.

The company operates three dedicated online portals (Employer Services, Member Services, Provider Services) supporting billing, enrollment, claims status, prior authorization, eligibility verification, and EDI claims upload, alongside a Price Comparison Tool and QR-coded member ID cards. UHA offers the largest physician network in Hawaii spanning all islands, integrates with Express Scripts for pharmacy benefit management and UnitedHealthcare Choice Plus for out-of-state student coverage, and processes all prior authorization decisions in-house locally rather than outsourcing to mainland vendors.

UHA generates revenue through monthly employer-group premiums collected on its three core bundled plans plus the Active&Fit fitness benefit, supplemented by the no/nominal-cost UHA Work Well workplace wellness program offered to all Hawaii employers regardless of carrier. The company serves over 4,200 employer groups and 57,000+ members, maintains URAC Health Utilization Management accreditation, and holds at least double the state-required financial reserves. Recent 2025-2026 executive restructuring — new CIO, new Chief Sales Officer, and COO promotion — signals preparation for a new growth phase, while multi-year provider agreements with HHSC and Adventist Health Castle secure network continuity through 2026-2029.

Name

UHA Health Insurance

Legal name

University Health Alliance

Website

https://uhahealth.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

UHA Health Insurance is a private, physician-founded mutual benefit society in Hawaii offering bundled medical, drug, and vision plans to over 4,200 employer groups and 57,000+ members, operating the state's largest physician network since 1996.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Fully Insured Group Health Plans (Employer-Sponsored) (FSAIAFAA)

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Employer health insurance
• Group medical plans
• Physician network
• Drug and vision coverage
• Workplace wellness programs

Headquarters

HQ city

Honolulu

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Employer Group Health Insurance Premiums: UHA generates revenue through medical, drug, and vision insurance premiums paid by Hawaii employer groups. Employers pay monthly premiums for coverage of their employees. The company offers plans for groups of all sizes, with specific plan options like UHA 3000, UHA One Plan, and UHA 600.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

UHA Health Insurance sells bundled medical, drug, and vision health insurance plans to Hawaii employer groups under three core offerings: UHA 3000, UHA One Plan, and UHA 600. Coverage is delivered through Hawaii's largest physician network and supported by online portals for employers, members, and providers that handle billing, enrollment, claims, prior authorization, and eligibility verification. The company additionally provides the UHA Work Well workplace wellness program and the Active&Fit fitness benefit, with quotes and enrollment handled via direct sales, broker partners, and self-service online channels.

Product overview

UHA Health Insurance offers a portfolio of three core health insurance plans bundled with drug and vision coverage. The main products are UHA 3000 (a low-deductible plan with $200 individual deductible), UHA One Plan (a no-deductible plan with $12 co-pays), and UHA 600 (a no-deductible plan covering 90% of physician costs). All plans meet ACA requirements and include preventive care, wellness benefits, and maternity coverage. Additional offerings include the UHA Work Well workplace wellness program and Active&Fit fitness benefit. The plans provide access to Hawaii's largest physician network.

Differentiator

Problem solved

Functional benefit

Brands

• UHA Work Well: Workplace wellness program offering personalized service and expertise to educate, advocate and consult on key areas of workplace wellness for Hawaii employers.

Products and services

• UHA 3000 (Bundle) Low-deductible health insurance plan for Hawaii employer groups with a $200 annual deductible per person ($600 per family), $12 co-pay for most physician services, and bundled drug and vision coverage. Designed for employees seeking affordable access to Hawaii's largest physician network.
• UHA One Plan (Bundle) No-deductible health insurance plan for Hawaii employer groups with $12 co-pay for most physician services, 100% coverage for preventive care and maternity services, bundled drug and vision coverage, and the Active&Fit fitness benefit included.
• UHA 600 (Bundle) No-deductible health insurance plan for Hawaii employer groups where UHA covers 90% of the cost of physician services (10% co-insurance), with bundled drug and vision coverage.
• UHA Work Well Workplace wellness program offering personalized service and expertise to educate, advocate, and consult on key areas of workplace wellness for Hawaii employers, including toolkits, events, a resource hub, and guides. Offered primarily complimentary (or at a nominal fee) to all Hawaii employers, regardless of insurance carrier.

Quantifiable outcome

• Prior authorization decisions made within 2 weeks (online submissions in about 1 week, urgent situations within 72 hours)
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Adventist Health CastlecoreStrategic or Co-development Partner · 10 February 2026UHA and Adventist Health Castle signed a new three-year agreement effective retroactively from January 1, 2026. Adventist has been part of the UHA network since 1996 when it was known as Castle Medical Center. The agreement ensures members have continued access to Adventist hospital, clinics, and affiliated physicians.
• 'Ohana ArtsminorStrategic or Co-development Partner · 18 July 2025UHA donated $22,500 to 'Ohana Arts to fund scholarships for 12 economically disadvantaged youth to attend summer and fall theater programs. The donation included both cash and limited-edition fundraising tote bags. 'Ohana Arts is a nonprofit providing educational and professional arts programs.
• Federal Home Loan Bank of Des MoinesminorStrategic or Co-development Partner · 12 June 2025UHA is a member of the Federal Home Loan Bank of Des Moines, one of the few local non-financial institutions in the system. The relationship helps UHA strategically plan for its members. UHA used the FHLB Member Impact Fund to match donations to nonprofits, receiving a 1.5 match to donate $12,500 to Hawaii HomeOwnership Center.
• Hawai'i HomeOwnership Center (HHOC)minorStrategic or Co-development Partner · 12 June 2025UHA donated $12,500 to HHOC through the Federal Home Loan Bank matching grant program. HHOC supports first-time homeowners and provides education to those struggling to remain in their homes, believing higher rates of homeownership create stronger families and communities.
• Project Vision Hawai'iminorStrategic or Co-development Partner · 16 April 2025UHA supported the launch of Project Vision's Maui HieHie Mobile Hygiene Trailer at the Lahaina Resource and Recovery Center. The trailer provides free showers, laundry, and hygiene supplies to individuals experiencing homelessness on Maui, along with connections to medical care, health screenings, and social services.
• March of Dimes Hawai'iminorStrategic or Co-development Partner · 10 May 2024UHA is a longtime supporter of March of Dimes Hawai'i. Together they presented Mother's Day gift baskets to families in Kapi'olani Medical Center's NICU. March of Dimes leads the fight for the health of all moms and babies and shares UHA's goal of good health for island families.
• Hawai'i Health Systems Corporation (HHSC)coreStrategic or Co-development Partner · 23 June 2023HHSC and UHA entered into a new three-year agreement ensuring HHSC hospitals and clinics remain part of UHA's provider network. Facilities include Hilo Medical Center, Hale Ho'ola Hamakua, Ka'u Hospital, Kohala Hospital, Kona Community Hospital, Kaua'i Veterans Memorial Hospital, and Samuel Mahelona Memorial Hospital. This agreement is particularly important for UHA members living on Hawaii Island and Kaua'i.

Scale indicators8 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• UnitedHealthcare: UnitedHealthcare is the largest U.S. health insurer and already provides UHA's out-of-state student network via the Choice Plus arrangement, making it a broad incumbent peer with direct product overlap on commercial group coverage.
• Cigna Healthcare: Cigna is a national health and medical insurance carrier with employer-sponsored group products analogous to UHA's bundled medical, drug, and vision plans, providing a relevant large-carrier benchmark on product structure and broker competition.
• Aetna (CVS Health): Aetna is a national employer-sponsored health and medical insurance carrier serving groups of all sizes; it competes with UHA for Hawaii employer business and represents the typical national carrier benchmark UHA is measured against by brokers.
• Anthem Blue Cross Blue Shield: Anthem is a national incumbent commercial health insurer with employer-sponsored plans across multiple states; it represents the scaled, multi-state competitive backdrop against which UHA's regional single-state model must defend employer accounts.
• Kaiser Permanente: Kaiser Permanente operates an integrated physician-led health plan and care delivery model that closely mirrors UHA's physician-founded, prevention-first positioning, but at national scale and with owned provider facilities, making it a broader incumbent benchmark for UHA's care-integrated model.

Regional players

• Moda Health: Moda Health is a regional Pacific Northwest insurer offering employer group medical and pharmacy plans; like UHA, it serves a defined geographic market with bundled products and broker-driven distribution.
• PacificSource Health Plans: PacificSource is a regional, mutually-governed health insurer offering employer group plans across the Pacific Northwest, structurally and product-mix-wise analogous to UHA's Hawaii-focused employer group model.
• Premera Blue Cross: Premera is a regional, mutually structured health insurer serving the Pacific Northwest with employer-sponsored medical, drug, and vision plans comparable to UHA's Hawaii portfolio, illustrating how a regional mutual plan competes outside national carriers.

Others

• Blue Shield of California: Blue Shield of California is a non-profit, mission-driven health plan with employer group offerings similar in governance philosophy to UHA's mutual benefit society structure, providing a relevant structural rather than geographic comparator.

Direct peers

• HMSA (Hawaii Medical Service Association): HMSA is UHA's primary direct competitor in Hawaii, offering employer-sponsored group health plans across the same islands with overlapping broker channels; it is explicitly cited as UHA's main competitive force and holds the dominant share of Hawaii commercial members.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/uhahealth
• LinkedInlinkedin.com/company/uha
• Facebookfacebook.com/uhahealth

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UHA Health Insurance