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A few eligibility requirements include:

You must be covered by a High Deductible Health Plan (HDHP) and enrolled in the Health Savings Account (HSA) offered by ETF.

You cannot have any other health coverage that pays for out-of-pocket health care expenses before you meet your plan deductible (including Medicare).

At retirement, state employees may be able to use unused sick leave to pay for health insurance. Do you know how this benefit works?

Use the information on this page to know when to submit a sick leave certification and in the appropriate timeframe.

2025 Local Annuitant Health Program insurance benefits decision guide for certain local retirees and surviving dependents.

These terms constitute a legal binding agreement and govern an employer's use of ETF online service.

Apply to escrow your sick leave credits, if eligible. To escrow means to preserve or bank your sick leave credits for use at a later date.

This section provides you with information about life changes and how a life change can affect your benefits.

The Schedule of Benefits explains what medical services the Group Health Insurance Program (GHIP) covers and what you pay for covered services.

The Schedule of Benefits explains what medical services the Group Health Insurance Program (GHIP) covers and what you pay for covered services.