How an HDHP Works

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
Plan Year
  • 2025

High Deductible Health Plans (HDHPs)

High Deductible Health Plans (HDHPs) cost less per month but won't start paying for your care until you meet your deductible. The one exception is preventive care, which is covered at 100%. Learn how an HDHP differs from the other options, and if it is a good fit for you.

Plan Year
  • 2025
Program Option
  • State Employee and Retiree Health Plan & Supplemental Benefits
Video
5 minutes
Woman reviewing health benefits materials

Health Benefits in Retirement

A 3 video series describing what you need to know about your health benefits for state, UW and local participants.

Apple sitting next to a stethoscope

Insurance

Learn about the insurances provided by ETF, such as health, dental and vision insurance.

Medicare Plan Designs Quick Comparison

Learn about the key differences between plan designs such as how much you'll pay per month, how much you can expect to pay when you visit the doctor, and if you will have nationwide coverage.
Plan Year
    2025
Program Option
    Local High Deductible Health Plan (PO17) & Supplemental Benefits

Medicare Plan Designs Quick Comparison

Learn about the key differences between plan designs such as how much you'll pay per month, how much you can expect to pay when you visit the doctor, and if you will have nationwide coverage.
Plan Year
    2025
Program Option
    Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits