Haw. Rev. Stat. § 431:10H-207: Premiums charged--group and individual policies.

(a) The premium charged to an insured shall not increase due to either:

(1) Increasing age of the insured at ages beyond sixty-five; or

(2) The duration the insured has been covered under the policy.

(b) The purchase of additional coverage shall not be considered a premium rate increase, but for purposes of the calculation required under section 431:10H-233, the portion of the premium attributable to the additional coverage shall be added to and considered part of the initial annual premium.

(c) A reduction of benefits shall not be considered a premium change, but for purpose of calculation required under section 431:10H-233, the initial annual premium shall be based on reduced benefits.