Get Started!
Open enrollment is September 25 – October 20, 2023. Any changes made during this period will be effective January 1, 2024. Make the most of open enrollment:
- Review this page to see what's changing in 2024.
- Review health premiums, provider availability, how to enroll in a new health plan, and more:
- Use Benefits Available to Me to find your health program.
- Or, select your program option if you know it.
- If you can't find your health program, ask your employer. If retired, call ETF.
- Sign up for an online forum or watch an on-demand video to learn more about your insurance benefits.
- Are you currently enrolled in a GHC of South Central Wisconsin (GHC-SCW)? See if you need to enroll in a new health plan.
- State employees and non-Medicare retirees: Considering changing your health plan? Use Benefits Mentor, our virtual benefits counselor for personalized plan design recommendations.
- Consider supplemental benefits such as dental insurance, vision insurance, or Accident Plan.
Medical Premium Increases
The overall medical insurance premium increase will be 11.8% for the state program and 15.1% for the local program. The actual rate increases for members may differ due to health plan choice and/or employer premium contributions.
Local employers establish the premium contribution for their employees. The Department of Administration’s Division of Personnel Management determines both the state employee share of the premium and the employer contribution to the Health Savings Account.
GHC of South Central Wisconsin Network Split
GHC-SCW will split into two separate networks starting January 1, 2024:
- GHC-SCW Dane Choice will include current in-network providers in Dane County
- GHC-SCW Neighbors will include current in-network providers in:
- Columbia County
- Grant County
- Iowa County
- Sauk County
- Jefferson County
- Juneau County
- Lafayette County
Both networks will include UW and Meriter specialists and hospitals.
Retirees and most employees* who are currently enrolled in GHC-SCW will automatically be enrolled in GHC-SCW Dane Choice unless they elect to enroll in a different health plan during open enrollment. If you have a primary care provider or primary care clinic outside of Dane County and want to keep GHC-SCW as your insurance provider, you will need to enroll in the GHC-SCW Neighbors health plan.
*STAR employees who are currently enrolled in GHC-SCW will not be automatically enrolled and must enroll in a new health plan during open enrollment. To keep GHC-SCW as your insurance provider, enroll in either the GHC-SCW Dane Choice or GHC-SCW Neighbors. If you do not enroll in a new health plan, you will not have coverage as of January 1, 2024.
State Maintenance Plan
The State Maintenance Plan (SMP) is a health plan that offers Uniform Benefits. SMP is designed to provide a health plan option for members who live or work in areas without adequate access to in-network providers or hospitals.
State Employees and Retirees
SMP will continue to be offered in Florence County. Use the health plan search to find health plans and covered providers where you receive care.
Local Employees and Retirees
SMP will be offered in the following counties:
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Use the health plan search to find health plans and covered providers where you receive care.
Medical Benefit Changes
The annual medical deductible for the High Deductible Health Plan (HDHP), Local HDHP, and Access HDHP plans has increased to comply with federal requirements:
- Individual: increased to $1,600
- Family: increased to $3,200
The Group Insurance Board approved the following medical benefit changes effective January 1, 2024.
- Coverage has been expanded for advance care planning.
- The expectation that physical, speech, and occupational therapies result in significant improvements for patients within two months of the beginning of treatment has been removed.
- The requirement of a 30-day rental of infusion pumps for insulin, pain relievers, and other drugs prior to the purchase of equipment has been removed.
- The requirement that members who change health plans during an inpatient stay need to move to a new in-network facility due to the change in the plan provider has been removed.
Wellness
Well Wisconsin participants now have access to more resources to support them in reaching their well-being goals. Starting January 1, 2024, participants have access to the following evidence-based programs:
- Diabetes Prevention Program for those at risk of developing diabetes
- Positively Me, a year-long program helping to support participants with losing weight
- Fern Health chronic pain management programs supporting participants experiencing musculoskeletal pain in their head, neck, shoulders, low back, hips, or knees
- meQuilibrium for stress management and resilience building support
Login at WebMD ONE Wellness Portal to learn more or contact WebMD customer service at 1-800-821-6591.
Accident Plan
2024 Accident plan premiums are 15% lower than the 2023 rates.
Pre-Tax Savings Accounts
These changes apply to state employees and retirees only.
Contribution Limits
| Program | Contribution Limit |
|---|---|
| Health Savings Account (HSA) |
$4,150 per year (individual) / $8,300 per year (family) Increase of $300 / $550 per year |
| Health Care Flexible Spending Account (FSA) and Limited Purpose FSA |
$3,050 per year Increase of $200 per year |
| Parking Account and Transit Account |
$300 per month Increase of $20 per month |
Carryover Limits
The carryover limit for FSAs and Limited Purpose FSAs has changed to $610; an increase of $40 from the 2023 limit.
Minimum Elections and Carryover Amounts
Accounts Impacted:
- Health Care Flexible Spending Account (FSA)
- Limited Purpose FSA
- Parking account
- Transit account
Minimums
| Requirement | Amount |
|---|---|
|
Minimum Annual Contribution |
$50 each year |
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Minimum Account Balance for Carryover Only impacts you if you don't reenroll in your account |
$50 |