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
Only available to participants enrolled in a High Deductible Health Plan (HDHP).
A Limited Purpose Flexible Spending Account (LPFSA) is a pre-tax benefit used to pay for eligible dental, vision care, and post-deductible medical expenses. You may use these funds to pay for eligible expenses incurred by you, your spouse, and your qualified dependents.
Plan Year
2026
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
Only available to participants enrolled in a High Deductible Health Plan (HDHP).
A Limited Purpose Flexible Spending Account (LPFSA) is a pre-tax benefit used to pay for eligible dental, vision care, and post-deductible medical expenses. You may use these funds to pay for eligible expenses incurred by you, your spouse, and your qualified dependents.
Plan Year
2025
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
Report
Active Employee /
Board Member /
State Employer
This report presents the results of the annual actuarial valuation of benefit liabilities and costs of the State Income Continuation Insurance Plan as of December 31, 2011.