High Deductible Health Plans (HDHPs) usually have lower monthly premiums than plans with lower deductibles. By using the untaxed funds in your Health Savings Account (HSA) to pay for expenses before you reach your deductible, you reduce your overall healthcare costs.
There are three types of expenses associated with an HDHP: deductible, coinsurance, and out-of-pocket limit. These may work differently than you expect if you haven't had an HDHP before.
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
Out-of-network services are only available with the Access Plan and Access HDHP. Learn how much it will cost to visit the doctor, have labs drawn, get an X-ray, and more.
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
Out-of-network services are only available with the Access Plan and Access HDHP. Learn how much it will cost to visit the doctor, have labs drawn, get an X-ray, and more.
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
Plan Year
2026
ET-7282
Form
Active Employee /
Retiree /
Other Benefit Recipient