OCEANFRONT-SURF & RACQUET
Stunning Ocean & Town Views from almost
every room! Elegantly appointed and beautifully
furnished – 2B/2B – never rented. Newer Kitchen
Cabinets & Appliances & Granite Counters. Large
Pool & 3 Tennis Courts. Close to Shopping &
Beaches. Immaculate & Easy to See!
MLS #612570 • $678,300
KEALAKEKUA BAY ESTATES
View! View! View! Beautiful single level
home in gated community just a short drive
to Kealakekua Bay. Located at the top of the
subdivision allows for expansive, panoramic
Ocean Views. Immaculate and nearly new—
quality fi nishes throughout!—3B/2B on 1 Acre.
MLS #608553 • $1,075,000
KALOKO CHALET & CABIN
Charming Scandanavian Chalet-Style Home with
2Bed/2-1/2Bath + Loft with ocean views in the Kaloko
Forest on 2 ACRES. Cathedral Ceilings & knotty pine
paneling make a cozy atmosphere with Central Heat,
Dehumidifi er and Gas Fireplace. The 2Bed/1Bath Cabin
is away from the Main Home for Privacy.
MLS #614649 • $975,000
Located in the heart of town with many possibilities.
Previously used as Art Gallery. Existing Retail Building
and two 2 Bedroom/1 Bath Plantation–style homes.
Opportunity to live and work in Old Hawaii. Brand
new septic system just installed. Easy to See!
MLS #613444 • $645,000
Serving Kona since 1985
THREE OCEANFRONT LOTS ON ALII DRIVE
A RARE opportunity to build 3 separate
oceanfront homes–great for a family estate or
compound. Park-like setting w/magnifi cent
Monkey Pod & Coconut Trees & lush lawns.
Adjacent to sandy swimming cove & tidal pools.
No CC&R’s—No Maintenance Fees.
MLS #610654 • $2,650,000
WHITE SANDS VILLAGE #217
Ultimate Designer upgraded 2BD/2BA condo
w/good ocean views. Beautiful granite kitchen
counters and tile fl oors. Beautifully furnished.
NO STAIRS—ELEVATOR, -2 Tennis Courts—
Quick Show! Easy to See.
MLS #603456 • $419,000
Certifi ed Residential
OCEANFRONT SEA VILLAGE
Preferred Bldg. 4 – Best view in Kona with
miles of ocean, town and daily sunsets.
Partially furnished, 2B/2B – NO STAIRS.
Needs Cosmetic TLC – Convenient Café on
site. Walk to Town-Oceanfront Pool & Spa.
MLS #609523 • $445,000
West Hawaii Real Estate | March 16, 2018 15
February Realtors Offer Support for Proposed Association Health Plan Rule
Aproposed rule from the U.S.
Department of Labor could
make it easier for small businesses
individuals to purchase health insurance
through association health plans,
or AHPs, according to the National
Association of Realtors.
In a comment letter submitted,
NAR expressed mostly strong support
for the proposed regulation, which
modifies and broadens the definition
of “employer” to include “working
owners,” opens the door to potentially
allowing trade associations, including
NAR, to offer health insurance coverage
to members through the large
group insurance market. The large
group insurance market typically offers
greater flexibility in insurance plan
design and lower policy costs through
improved negotiating power.
While most Americans get their
health coverage through an employer,
most real estate agents, and nearly
nine in 10 realtors, are independent
contractors, not employees, of their
real estate brokerage. As an independent
contractor, many typically don’t
have access to traditional employerprovided
benefits, such as 401K plans
and health insurance, since these types
of benefits could jeopardize their independent
contractor status. As a result,
self-employed professionals are forced
to purchase insurance in the individual
insurance market, which tends to offer
fewer choices at higher costs.
NAR’s 2017 member profile found
that 46 percent of members paid for
their health insurance out of pocket;
32 percent received it through a
spouse, partner, or family member; 3
percent had employer-provided health
insurance; and 20 percent didn’t have
any health insurance at all.
“As health insurance costs continue
to rise and the number of coverage
options shrink, the need for affordable
health care option remains a top
concern for the nation’s 1.3 million
realtors,” said NAR President Elizabeth
Mendenhall, a sixth-generation realtor
from Columbia, Missouri and CEO
of RE/MAX Boone Realty. “Allowing
working owners to participate in AHPs
could expand access and provide more
reasonably priced health insurance options
for individuals and families.”
In the letter to regulators, NAR recommended
changes to the proposed
eligibility requirements to maximize
participation among self-employed
real estate professionals. NAR encouraged
the Department of Labor
to reconsider a provision preventing
working owners from participating in
an employer health plan if subsidized
coverage is available to them through
a spouse’s employer; however, that
may not always be the most affordable
option for a family.
“Eliminating this requirement will
provide greater insurance choices to
more real estate professionals, many
of whom are struggling to find affordable
insurance,” said Mendenhall.
“We urge the administration and the
Department of Labor to move forward
with our recommendations in mind,
and while challenges likely remain
ahead that could delay its completion,
we have strong hope that a final rule
will be issued sometime in the near
future and real estate professionals
will have improved access to affordable
As next steps, DOL will be reviewing
the hundreds of comments submitted
and issue a final rule reflecting that
feedback, likely later this year; that
rule could then be used by insurers for
plan design. However, the final rule
may be subject to legal challenges that
could delay implementation.
For more than a decade, NAR has
advocated for reforms to the health
insurance market to provide better
coverage to real estate-related businesses
and the self-employed, and
NAR will continue to advocate and
be closely following DOL’s progress
and the potential benefits for real estate
professionals across the country.
Additional information on NAR’s
health insurance advocacy efforts,
please visit www.nar.realtor/healthcare