Haw. Rev. Stat. § 431:2-201.2: Standards for commissioner.

When reviewing a uniform standard, the commissioner shall consider the following standards in determining whether to opt out of a uniform standard:

(1) Whether the public interest is being served or protected;

(2) Whether the reasonable expectations of the consumer will be met;

(3) Whether the uniform standard is or will require a reasonably clear, plain English communication to the consumer;

(4) Whether the consumer will be protected in a typical transaction where the consumer may have less power, information, or understanding of the meaning or consequences of the transaction, or any part thereof, than the insurer or producer;

(5) The long-term effects of the uniform standard;

(6) The possible effects of the uniform standard on the financial condition of insurers;

(7) Confidentiality requirements in state or federal law;

(8) State and federal constitutional issues;

(9) The impact of the uniform standard on any provision of the insurance code or any state or federal law;

(10) The uniform standard's particular impact in the State and any conditions unique to the State; and

(11) The integration of the uniform standard with state or federal law and any possible conflicts with such laws.