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Republic of the Marshall Islands
Ministry of Health & Human Services
Health Fund / Member Information
Health Fund Office — Member Guide

Basic & Supplemental Health Plans

Read the key rules and benefits directly on this page. Official handbooks are also available for printing and reference.

At-a-glance summary
Eligibility
  • • RMI citizens (residents)
  • • Non-citizens (≥ 1 year residency)
  • • MISSA retirees & spouses
Coverage
  • • On-island hospital & clinic care
  • • Approved off-island referrals
  • • Exclusions apply
Contributions
Employees: 3.5%
Employers: 3.5%
Self-employed: 7%
(≤ $5,000 per quarter)
Key rules
  • • 60-day waiting period
  • • Referral approval required
  • • Annual cap applies
Marshall Islands Healthcare

Overview

This page summarizes the Basic Health Plan and the Supplemental Health Plan for quick reading. For official wording and printable copies, see the PDF handbooks below.

Reminder
Eligibility, exclusions, and approvals apply. Confirm coverage rules with the Health Fund Office before receiving services.
Basic Health Plan
Coverage for eligible residents and qualifying non-residents, funded by contributions.
Supplemental Health Plan
Optional premium-funded plan for approved off-island care (rules and exclusions apply).
How to Apply
Review requirements, prepare documents, then complete enrollment (paper or online preview).

Plan Details

Expanded summaries for quick reading. For full benefit tables, exclusions, and official language, use the PDF handbooks.

BASIC HEALTH PLAN

Who can enroll?

  • Citizens who are residents of the Marshall Islands
  • Non-citizens who have been resident in the Republic for at least one year before applying
  • Retirees who contributed to MISSA and their sole/legal spouses
Contributions (summary)
Worker: 3.5% of covered earnings (≤ $5,000 per calendar quarter)
Employer: 3.5% (same basis)
Self-employed: 7% (worker + employer shares)
Coverage start
Coverage begins after 60 days of enrollment (subject to exclusions & limitations)
Off-island referral notes
Off-island referrals require approval by the Medical Referral Committee. If approved, the plan pays according to the schedule of benefits up to an annual maximum of $100,000 per covered person (exclusions still apply).
Important eligibility note
Non-Marshallese residents may be required to be current with taxes and required contributions. Please confirm exact requirements with the Health Fund Office.
SUPPLEMENTAL HEALTH PLAN

What is it?

An optional plan funded by member premiums. It supports access to approved off-island facilities under defined rules, approvals, and exclusions.

Deductible
$200 / calendar year
Paid by member before plan starts covering eligible costs.
Co-payment
20%
Plan generally pays 80% of covered care (after deductible).
Premium examples (Monthly)
Coverage Resident Non-Resident
Single $60.00 $93.00
Member + 1 Dependent $120.00 $186.00
Family (max 5 total) $180.00 $279.00
Family (6–10 total) $240.00 $372.00
Other options may be available (e.g., bi-weekly and quarterly billing). Confirm available billing options with the Health Fund Office.
Coverage highlight
Pays according to the schedule of benefits up to an annual maximum of $100,000 per person (after the $200 deductible). Transportation is not covered.
Reminder
Supplemental coverage typically requires proper referral approval and documentation. Confirm requirements before scheduling off-island care.

How to Apply

This is a practical checklist to help members prepare. Exact requirements may vary depending on eligibility category.

Prepare documents
  • Valid identification (as applicable)
  • Proof of residency (as applicable)
  • Employment details / contribution details
  • Dependent information (if enrolling family)
Complete enrollment
  • Visit the Health Fund Office or use the enrollment preview
  • Confirm premium amount and billing frequency (Supplemental)
  • Sign agreement / payroll deduction authorization (if applicable)
After submission
  • Wait for confirmation / processing
  • Understand waiting periods (e.g., Basic coverage start after 60 days)
  • Ask how to update dependents or change status later
Need help?
If you are unsure which plan applies to you or how to calculate contributions/premiums, contact the Health Fund Office (Majuro or Ebeye).

FAQ

Do I need a referral for off-island care?

Generally, off-island referrals require approval by the Medical Referral Committee. Confirm process and required documents before scheduling.

What does Supplemental cover?

Supplemental typically pays according to the schedule of benefits up to an annual maximum per person, after deductible and co-payment rules. Transportation is not covered.

Can I enroll dependents?

Yes, family enrollment options exist. Provide dependent SSN (if applicable), relationship, date of birth, and other required information.

Why download the PDF if info is here?

This page is for quick reading. PDFs are the official printable handbooks and contain full benefit tables, definitions, and exclusions.

Resources & Downloads

Official handbooks (PDF) for printing and full benefit tables.

Health Plan Offices

For enrollment, eligibility questions, and coverage guidance.

Majuro
P.O. Box 1347 • Majuro, MH 96960
Phone: (692) 625-7759 • Fax: (692) 625-7748
Email: rosam@ntamar.net
Ebeye
P.O. Box 5219 • Ebeye, MH 96970
Ebeye Hospital • Phone: (692) 329-7705

Quick Question Form (optional)

Demo only (no backend).