BCBS Settlement Hawaii — HMSA (Hawaii Medical Service Association) Payout Guide

Hawaii's BCBS licensee is HMSA — Hawaii Medical Service Association, a nonprofit independent licensee of the Blue Cross Blue Shield Association. Founded in 1938, HMSA is the oldest and largest health insurer in Hawaii, covering an estimated 50% of the state's insured population across all six major islands. On the neighbor islands (Maui, Hawaii Island, Kauai, Molokai, and Lanai), HMSA is essentially the only private health insurer available.

Hawaii residents enrolled in an HMSA plan between February 7, 2008 and October 16, 2020 who filed a valid claim by November 5, 2021 are eligible for a payout from the settlement. Payments began distributing in May 2026.

Where you live does not change how your payment is calculated. The court-approved plan pays claimants in Hawaii exactly as it pays everyone else: your share is your “Recognized Claim” — built from the premiums (for self-funded accounts, the administrative fees) the Blue plan's records show you paid during the class period — divided by everyone's, multiplied by the net fund. The settlement publishes no state rankings, market-share weights or state payout ranges; dollar ranges quoted for individual states are estimates, not official figures.

The money is split into two pots that are paid separately: $1.78 billion for individuals, insured groups and their employees, and $120 million for self-funded accounts and their employees. Divided across the 7,774,992 claims the court approved, the average is about $244 a claim. As a rough rule of thumb (our arithmetic, not an official rate), the individual and insured-group pot pays about 54 cents per $100 of premiums: $10,000 in premiums works out to about $54, and $60,000 to about $325.

Under the court's April 24, 2026 order, shares under $200 are paid in full in the first distribution, which began May 11, 2026. Shares of $200 or more receive about 90% now, with 10% of the fund held in reserve for a later distribution. Any claimant whose share calculates to $5.00 or less receives nothing.

The BCBS licensee in Hawaii is HMSA (Hawaii Medical Service Association), an independent nonprofit mutual benefit society organized under Hawaii law. HMSA has been the state's leading health insurer since 1938 and is the only Blue Cross Blue Shield Association licensee in Hawaii. Unlike most BCBS entities on the mainland, HMSA operates entirely within Hawaii and has no parent company outside the state — it is governed by its own board as a Hawaii-chartered organization.

HMSA offers PPO, HMO, and federal employee plans across all major Hawaiian islands. On Oahu, HMSA competes primarily with Kaiser Permanente Hawaii; on the neighbor islands, HMSA is the predominant or sole commercial option. The HMSA portal for EUTF (state employee) coverage and the general member portal are both managed at hmsa.com. HMSA's Blue Cross Blue Shield affiliation subjects it to the same national association rules that formed the basis of the antitrust litigation.

Payments to Hawaii claimants come from the same national fund as everyone else's, under the court's April 24, 2026 distribution order (the settlement itself received final approval on August 9, 2022). The administrator, JND Legal Administration, began the initial distribution on May 11, 2026 and sends payments in batches by the method chosen on the claim — for example a prepaid card, with an activation email from distribution@bcbssettlement.com, or a mailed check. No state or regional schedule has been published, and the settlement reports no claim counts or amounts by state.

Only claimants who filed by the November 5, 2021 deadline are paid; no new claims are accepted. Shares of $5.00 or less receive nothing, shares under $200 are paid in full, and shares of $200 or more receive about 90% now, with 10% of the fund held for a second distribution that has no date yet. Checks are void if not cashed within 90 days. To see where your claim stands, use “Check my Claim Status” on bcbssettlement.com with your Unique ID or Claim Number, or call (888) 681-1142.

• Government accounts are excluded: coverage bought by the State of Hawaii, its counties and cities, tribes or the federal government — whether the plan was self-funded or fully insured. That includes the State of Hawaii's own employee health plan.
• Federal Employee Program (FEP) coverage is excluded as a federal government account.
• Quasi-government accounts are included if they chose their own fully insured or self-funded Blue plan — for example school districts, utilities, port and transportation authorities, government-funded hospitals and public retiree benefit plans. The administrator decides individual cases: (888) 681-1142.
• Self-funded employer plans are not excluded: they and their employees share a separate $120 million fund, for coverage from September 1, 2015 to October 16, 2020.
• Medicare Advantage policies are not part of the settlement; Medicare Supplement (Medigap) policies are, if the coverage dates fit.
• Dependents and beneficiaries, including minors on a parent's plan, are not paid; the subscriber or employee who paid the premium is.
• Coverage from insurers outside the Blue system does not count.

Source: the official settlement FAQ at bcbssettlement.com (questions 7–9 and 12).