Complex sentence: Before the law Hawaii had Hawaii had an insured rate of 70%, the highest insured rate with the laws was 98%, presently Hawaii has an insured rate of 92% (2009,npr).
Split into simpler sentences: Before the law Hawaii had an insured rate of 70%. The highest insured rate after the law was enacted was 98%, and presently Hawaii has an insured rate of 92% (2009,npr).