Hannah HARRISON, Respondent/Petitioner/Appellant/Appellant, v. Gordon I. ITO, Insurance Commissioner, Department of Commerce and Consumer Affairs, State of Hawaii, Respondent/Respondent/Appellee-Appellee, and Evercare, Petitioner/Respondent/Appellee-Appellee; Jenivie Delos Reyes, Franklin Biddinger, Floyd Hayes, John Villanueva, and Tehine Avilla, Respondents/Petitioners/Appellants-Cross-Appellees/Appellants, v. Gordon I. Ito, Insurance Commissioner, Department of Commerce and Consumer Affairs, State of Hawaii, Respondent/Respondent/Appellee-Appellee, and Evercare, Petitioner/Respondent/Appellee-Cross-Appellant/Appellee; Audrey Delos Santos, Respondent/Petitioner/Appellant/Appellant, v. Gordon I. Ito, Insurance Commissioner, Department of Commerce and Consumer Affairs, State of Hawaii, Respondent/Respondent/Appellee-Appellee, and Evercare, Petitioner/Respondent/Appellee-Appellee