Expense Deadline

  • For the 2022 benefit period, you must incur all eligible expenses by December 31, 2022.
  • For the 2023 benefit period, you must incur all eligible expenses by December 31, 2023.

The HSA can only be used to pay for eligible medical expenses incurred after your HSA was established.

Claims Deadline

While you should always try to submit requests for distribution during the same plan year in which the expense was incurred, there is no deadline to request an HSA distribution. You can only be reimbursed for eligible expenses incurred after your HSA was established and funded.


All unused HSA funds carryover year-to-year without forfeiture.


You must re-enroll each year to continue participation. Enrollments do not carry forward from year to year.

New Hire

You must enroll within 30 days from the date of hire. Coverage will be effective on the first of the month on or following your eligibility date.

Qualified Life Event

Changes due to a qualifying life change event must be made within 30 days from the date of the event.


Retirees who enroll in an HDHP must also enroll in an HSA. To enroll in the HSA, you must complete an HSA Enrollment Form and submit it to ETF. You can submit your completed enrollment form to ETF using the following methods:

  • Postal Mail: ETF Retiree Health Insurance Unit, PO Box 7931, Madison WI 53707-7931
  • Fax: 1-608-226-5535
  • Email: RetireeHealth@etf.wi.gov

Retirees enrolled in the HDHP/HSA benefit option are not required to pay the monthly administrative fee to Optum Financial.