RELATING TO HEALTH INSURANCE.

Healthcare

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: KANUHA
Last action: 2026-05-08
Official status: Enrolled to Governor.
Effective date: Not listed

Plain English Breakdown

The exact amount for minimum benefit requirements for CGM coverage is not specified in the official source material.

Health Insurance Coverage for Continuous Glucose Monitors

This bill requires health insurers in Hawaii to cover the cost of continuous glucose monitors (CGMs) and related supplies for people with diabetes, starting from January 1, 2027.

What This Bill Does

Requires all health insurance plans in Hawaii to cover the cost of continuous glucose monitors (CGMs) and related supplies under certain conditions for individuals diagnosed with diabetes, including those who are not treated with insulin.
Specifies that CGM coverage must be medically necessary and prescribed by a healthcare professional.
Sets minimum benefit requirements for CGM coverage, including repair or replacement costs.
Applies to Medicaid managed care programs as well as private insurance plans.
Allows the Department of Health and Human Services to use funds from public and private sources to support access to CGMs.

Who It Names or Affects

People with diabetes who have health insurance in Hawaii.
Health insurers, mutual benefit societies, and health maintenance organizations operating in Hawaii.
The Departments of Health and Human Services.

Terms To Know

Continuous Glucose Monitor (CGM): A device that continuously measures glucose levels through a sensor applied to the skin for at least seven days, transmitting data in real-time or at set intervals.
Medically Necessary: Required by a healthcare professional based on medical judgment and standards of care.

Limits and Unknowns

The bill does not specify the exact amount for the minimum benefit required for CGM coverage.
Implementation details, such as federal authorization and alignment with Medicaid standards, are pending approval from relevant agencies.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

CD1

Hawaii published version CD1

Plain English: SB3045 CD1 THE SENATE S.B.

SB3045 CD1 THE SENATE S.B.
NO.
3045 THIRTY-THIRD LEGISLATURE, 2026 S.D.
1 STATE OF HAWAII H.D.

HD1

Hawaii published version HD1

Plain English: SB3045 HD1 THE SENATE S.B.

SB3045 HD1 THE SENATE S.B.
NO.
3045 THIRTY-THIRD LEGISLATURE, 2026 S.D.
1 STATE OF HAWAII H.D.

HD2

Hawaii published version HD2

Plain English: SB3045 HD2 THE SENATE S.B.

SB3045 HD2 THE SENATE S.B.
NO.
3045 THIRTY-THIRD LEGISLATURE, 2026 S.D.
1 STATE OF HAWAII H.D.

SD1

Hawaii published version SD1

Plain English: SB3045 SD1 THE SENATE S.B.

SB3045 SD1 THE SENATE S.B.
NO.
3045 THIRTY-THIRD LEGISLATURE, 2026 S.D.
1 STATE OF HAWAII A BILL FOR AN ACT RELATING TO HEALTH INSURANCE .

Bill History

2026-05-08 S
Enrolled to Governor.
2026-05-08 S
Received notice of passage on Final Reading in House (Hse. Com. No. 888).
2026-05-06 H
Received notice of Final Reading (Sen. Com. No. 816).
2026-05-06 H
Passed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0).
2026-05-06 S
Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.
2026-05-01 H
Forty-eight (48) hours notice Wednesday, 05-06-26.
2026-05-01 H
Reported from Conference Committee (Conf Com. Rep. No. 235-26) as amended in (CD 1).
2026-05-01 S
48 Hrs. Notice (as amended CD 1) 05-06-26.
2026-05-01 S
Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 235-26).
2026-05-01 H
The Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 5 Ayes: Representative(s) Takayama, Marten, Grandinetti, Keohokapu-Lee Loy, Alcos; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.
2026-05-01 S
The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 2 Aye(s): Senator(s) Kanuha, Lamosao; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Fevella.
2026-04-30 H
Conference Committee Meeting will reconvene on Friday 05-01-26 4:30PM in conference room 329.
2026-04-29 H
Bill scheduled for Conference Committee Meeting on Thursday, 04-30-26 4:30PM in conference room 329.
2026-04-27 H
Received notice of Senate conferees (Sen. Com. No. 762).
2026-04-24 S
Senate Conferees Appointed: Kanuha Chair; Lamosao Co-Chair; Fevella.
2026-04-20 S
Received notice of appointment of House conferees (Hse. Com. No. 787).
2026-04-20 H
House Conferees Appointed: Takayama, Marten, Grandinetti, Keohokapu-Lee Loy Co-Chairs; Alcos.
2026-04-16 H
Received notice of disagreement (Sen. Com. No. 710).
2026-04-16 S
Senate disagrees with House amendments.
2026-04-16 S
Received from House (Hse. Com. No. 733).
2026-04-14 H
Passed Third Reading with Representative(s) Belatti voting aye with reservations; Representative(s) Shimizu voting no (1) and Representative(s) Quinlan excused (1). Transmitted to Senate.
2026-04-10 H
Reported from FIN (Stand. Com. Rep. No. 2092-26), recommending passage on Third Reading.
2026-04-07 H
The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes were as follows: 16 Ayes: Representative(s) Todd, Takenouchi, Hartsfield, Hussey, Keohokapu-Lee Loy, Kitagawa, Kusch, Lee, M., Miyake, Morikawa, Perruso, Templo, Yamashita, Alcos, Gedeon, Reyes Oda; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.
2026-04-02 H
Bill scheduled to be heard by FIN on Tuesday, 04-07-26 2:00PM in House conference room 308 VIA VIDEOCONFERENCE.
2026-03-30 H
Report adopted; referred to the committee(s) on FIN as amended in HD 2 with none voting aye with reservations; none voting no (0) and Representative(s) Cochran, Lowen, Perruso, Quinlan excused (4).
2026-03-30 H
Reported from CPC (Stand. Com. Rep. No. 1538-26) as amended in HD 2, recommending referral to FIN.
2026-03-24 H
The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 11 Ayes: Representative(s) Matayoshi, Grandinetti, Chun, Ilagan, Ichiyama, Iwamoto, Kong, Lowen, Marten, Tam, Pierick; Ayes with reservations: none; Noes: none; and Excused: none.
2026-03-20 H
Bill scheduled to be heard by CPC on Tuesday, 03-24-26 2:00PM in House conference room 329 VIA VIDEOCONFERENCE.
2026-03-20 H
Passed Second Reading as amended in HD 1 and referred to the committee(s) on CPC with none voting aye with reservations; none voting no (0) and Representative(s) Quinlan excused (1).
2026-03-20 H
Reported from HLT/HSH (Stand. Com. Rep. No. 1277-26) as amended in HD 1, recommending passage on Second Reading and referral to CPC.
2026-03-18 H
The committee on HSH recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 8 Ayes: Representative(s) Marten, Olds, Amato, Keohokapu-Lee Loy, Takayama, Takenouchi, Alcos, Garcia; Ayes with reservations: none; Noes: none; and 1 Excused: Representative(s) Hartsfield.
2026-03-18 H
The committee on HLT recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 8 Ayes: Representative(s) Takayama, Keohokapu-Lee Loy, Amato, Marten, Olds, Takenouchi, Alcos, Garcia; Ayes with reservations: none; Noes: none; and 1 Excused: Representative(s) Hartsfield.
2026-03-12 H
Bill scheduled to be heard by HLT/HSH on Wednesday, 03-18-26 9:00AM in House conference room 329 VIA VIDEOCONFERENCE.
2026-03-12 H
Referred to HLT/HSH, CPC, FIN, referral sheet 17
2026-03-12 H
Pass First Reading
2026-03-10 H
Received from Senate (Sen. Com. No. 349) in amended form (SD 1).
2026-03-10 S
Report adopted; Passed Third Reading. Ayes, 25; Aye(s) with reservations: none . Noes, 0 (none). Excused, 0 (none). Transmitted to House.
2026-03-06 S
One Day Notice 03-10-26.
2026-03-06 S
Reported from CPN (Stand. Com. Rep. No. 2894) with recommendation of passage on Third Reading.
2026-02-26 S
The committee(s) on CPN recommend(s) that the measure be PASSED, UNAMENDED. The votes in CPN were as follows: 4 Aye(s): Senator(s) Keohokalole, Fukunaga, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Lamosao.
2026-02-20 S
The committee(s) on CPN will hold a public decision making on 02-26-26 9:45AM; Conference Room 229 & Videoconference.
2026-02-19 S
Report adopted; Passed Second Reading, as amended (SD 1) and referred to CPN.
2026-02-19 S
Reported from HHS (Stand. Com. Rep. No. 2433) with recommendation of passage on Second Reading, as amended (SD 1) and referral to CPN.
2026-02-13 S
The committee(s) on HHS recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in HHS were as follows: 5 Aye(s): Senator(s) San Buenaventura, McKelvey, Kanuha, Keohokalole, Fevella; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.
2026-02-09 S
The committee(s) on HHS has rescheduled its public hearing to 02-13-26 1:00PM; Conference Room 225 & Videoconference.
2026-02-08 S
The committee(s) on HHS deleted the measure from the public hearing scheduled on 02-09-26 1:05PM; CR 225 & Videoconference.
2026-02-05 S
The committee(s) on HHS has scheduled a public hearing on 02-09-26 1:05PM; Conference Room 225 & Videoconference.
2026-01-30 S
Referred to HHS, CPN.
2026-01-28 S
Passed First Reading.
2026-01-28 S
Introduced.

Official Summary Text

RELATING TO HEALTH INSURANCE.
DHS; DOH; Health Insurance; Medicaid; Mandated Coverage; Diabetes; Equipment and Supplies; Continuous Glucose Monitors
Beginning 1/1/2027, requires all health insurers, mutual benefit societies, and health maintenance organizations in the State, including Medicaid managed care programs, to cover the cost of continuous glucose monitors and related supplies under certain conditions. Allows the Department of Health and Department of Human Services to accept and expend funds from public and private sources to support the expansion of access to continuous glucose monitors. (CD1)

Current Bill Text

Read the full stored bill text

SB3045

THE SENATE

S.B. NO.

3045

THIRTY-THIRD LEGISLATURE, 2026

STATE OF HAWAII

A BILL FOR AN ACT

RELATING
TO HEALTH INSURANCE
.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF HAWAII:

����
SECTION 1.
�
The
legislature finds that type two diabetes is a significant driver of preventable
health care costs in the State, particularly in rural, neighbor island, and
medically underserved communities where access to consistent outpatient
management and specialty care is limited.
�

Poorly controlled diabetes contributes to avoidable emergency department
visits, hospitalizations, and long-term complications that place substantial
strain on public and private health care systems.

����
The legislature further finds that
continuous glucose monitors (CGMs) are an evidence-based diabetes management
technology that provide real-time glucose data, supports earlier clinical
intervention, and improves glycemic control.
�

The use of CGMs has been shown to reduce hypoglycemic events and
high-cost acute care utilization, making CGMs an effective tool for improving
health outcomes while mitigating downstream health care expenditures.

����
The legislature also finds that
inconsistent insurance coverage for CGMs creates inefficiencies in care
delivery and increases the likelihood of higher-cost interventions.
�
Standardizing coverage across health plans,
including medicaid managed care programs, promotes predictable benefits,
reduces administrative burden, and supports uniform clinical practice.

����
Accordingly, the purpose of this Act is to
require
all health insurers in the State, including medicaid managed care programs, to
cover the cost of continuous glucose monitors.

����
SECTION
2
.
�
Section 431:10A-121, Hawaii Revised Statutes,
is amended to read as follows:

����
"
�431:10A-121
�
Coverage for
diabetes.
�
[
Each
]

(a)
�

Except as provided in subsection (b), each
policy of accident
and health or sickness insurance providing coverage for health care, other than
an accident-only, specified disease, hospital indemnity, medicare supplement,
long-term care, or other limited benefit health insurance policy, that is issued
or renewed in [
this
]
the
State, shall provide coverage for
outpatient diabetes self-management training, education, equipment, and
supplies, if:

����
(1)
�
The
equipment, supplies, training, and education are medically necessary; and

����
(2)
�
The
equipment, supplies, training, and education are prescribed by a health care
professional authorized to prescribe.

����
(b)
�
Each individual
or
group accident and health or
sickness
policy, contract, plan, or agreement
issued or renewed in th
e
State after December 31, 2026,
shall provide coverage for
the cost of
continuous glucose monitors and related supplies
for
individuals covered under the policy, contract, plan, or agreement and
diagnosed with diabetes, including gestational diabetes, regardless of whether
they are treated with insulin; provided that:

����
(1)
�
The continuous glucose
monitors
are
medically
necessary and

prescribed
by a health care professional authorized to prescribe
the
device; and

����
(2)
�
The coverage:

���������
(A)
�
Shall
i
nclude
the cost of any necessary repairs or replacement parts for the continuous
glucose
monitor;

���������
(B)
�
Shall
be subject to a minimum benefit of
$ every
months; and

���������
(C)
�
May
be subject to copayment, deductible, and coinsurance provisions of the policy,
contract, plan, or agreement that are no less favorable than the copayment,
deductible, and coinsurance provisions for other medical services, equipment,
or supplies covered by the policy, contract, plan, or agreement;

provided further that this subsection shall not apply
to limited benefit health insurance as provided in section 43l:10A�607.

����
For the purposes of this subsection,
"c
ontinuous
glucose monitor" means a device designed to aid in diabetes management by
continuously measuring glucose levels through a small electronic sensor applied
to the skin
that
remains in place for a minimum of seven days, transmitting
glucose data in real-time or at set intervals to monitor and maintain safe
blood glucose levels.
"

����
SECTION
3
.
�
Section 432:1-612, Hawaii Revised Statutes,
is amended to read as follows:

����
"
[
[
]
�432:1-612
[
]
]
�

Diabetes coverage.
�
[
All
]

(a)
�

Except as provided in subsection (b), all
group health care
contracts under this chapter shall provide, to the extent provided under
section 431:10A-121, coverage for outpatient diabetes self-management training,
education, equipment, and supplies.

����
(b)
�

Each hospital or medical service plan contract
issued or renewed in th
e
State after December 31, 2026,
shall provide coverage for
the cost of
continuous glucose monitors and related supplies

to the extent provided under
section 431:10A-121
.

����
For the purposes of this subsection,
"c
ontinuous
glucose monitor"
has the same meaning as defined in section
431:10A‑121
.
"

����
SECTION
4.
�
The benefit to be provided by health
maintenance organizations corresponding to the benefit provided under section
431:10A-
121
, Hawaii Revised Statutes, as amended in section 2 of
this Act, as contained in section 432D-23, Hawaii Revised Statutes, shall take
effect for all policies, contracts, plans, or agreements issued or renewed in
the State after December 31, 2026.

����
SECTION 5.
�

The coverage required under sections 2, 3, and 4 of this Act shall apply
to all plans under medicaid managed care programs in the State.

����
SECTION 6.
�

(a)
�
The department of human
services shall seek federal authorization and waivers as necessary to implement
this Act and to allow for full alignment with federal standards and
optimization of medicaid resources.

����
(b)
�

The department of health and department of human services may accept and
expend funds from gifts, grants, and donations from individuals, private
organizations, foundations, or other governmental agencies to support the
expansion of continuous glucose monitor access; provided that no gift, grant,
or donation may be accepted if subject to conditions inconsistent with the laws
of this State.

����
SECTION 7.
�

Statutory material to be repealed is bracketed and stricken.
�
New statutory material is underscored.

����
SECTION 8.
�

This Act shall take effect on July 1, 2026; provided that sections 2, 3,
and 4 shall apply to all policies, contracts, plans, or agreements issued or
renewed in the State after December 31, 2026; provided further that section 6
shall take effect upon approval of the Hawaii medicaid state plan by the
federal Centers for Medicare and Medicaid Services.

INTRODUCED BY:

_____________________________

Report Title:

Department
of Human Services; Department of Health; Health Insurance; Medicaid; Mandated
Coverage; Diabetes; Equipment and Supplies; Continuous Glucose Monitors

Description:

Requires
all health insurers in the State, including Medicaid managed care programs, to
cover the cost of continuous glucose monitors and related supplies under
certain conditions.
�
Applies to insurance
policies, contracts, plans, or agreements issued or renewed in the State after
12/31/2026.

The summary description
of legislation appearing on this page is for informational purposes only and is
not legislation or evidence of legislative intent.