What's Being Discussed
The Hawaii Joint Underwriting Plan (HJUP) Board of Governors is meeting on July 15, 2026, at 9:00 a.m. HJUP is a state-managed insurance program that provides auto insurance to drivers who cannot get coverage elsewhere. The meeting will cover:

Financial reports — A review of the plan's financial health, including income, expenses, reserves, and cash flow through early 2026.
Servicing provider update — A status report on how the company handling day-to-day insurance operations is performing.
Proposed rule changes to the HJUP Manual — Updates to three rules to improve clarity and remove outdated language: adding rounding steps to premium calculations (Rule 23), deleting a now-redundant vehicle age group rule (Rule 56), and clarifying base rates for motor homes (Rule 140).
Compliance audit proposal — A plan to conduct two audits in 2027 checking that policies and claims are being handled correctly, covering both Certified Public Assistance insured policies and Commercial Automobile policies.

Decisions Expected

Approval of minutes from the April 15, 2026 meeting.
Possible recommendation to the Insurance Commissioner to approve the proposed rule changes to the HJUP Manual.
Possible approval of the 2027 compliance audit proposal.

Who Should Pay Attention

Hawaii drivers who rely on HJUP for auto insurance coverage.
Insurance agents and providers who work with HJUP policies.
Anyone interested in how Hawaii's insurer-of-last-resort auto program is managed and financially performing.

The meeting is open to the public in person at 335 Merchant Street, Honolulu, or via Zoom. Written testimony can be emailed to mshimamu@dcca.hawaii.gov at least 24 hours before the meeting.