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

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
  • 2026

You or Your Dependent Gain Eligibility for Other Group Medical Coverage

Experiencing this life event may allow you to make changes to your accident plan or health, dental, vision, or long-term care insurance.

Program Option
  • Local Annuitant Health Program (LAHP)
  • Local Deductible Health Plan (PO14) & Supplemental Benefits
  • Local Deductible Health Plan with Uniform Dental (PO4) & Supplemental Benefits
  • Local Health Plan (PO16) & Supplemental Benefits
  • Local Health Plan with Uniform Dental (PO6) & Supplemental Benefits
  • Local High Deductible Health Plan (PO17) & Supplemental Benefits
  • Local High Deductible Health Plan with Uniform Dental (PO7) & Supplemental Benefits
  • Local Traditional Health Plan (PO12) & Supplemental Benefits
  • Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
  • State Employee and Retiree Health Plan & Supplemental Benefits
Gym bag with shoes, weights, water bottle and towel

Wellness Opportunities

Make the most of your wellness as a state employee through health coaching and the employee assistance program.

ET-2166
Brochure Active Employee / Retiree / Other Benefit Recipient / Board Member / Local Employer / State Employer

Domestic Partner Benefits

As of Sept. 23, 2017, the State of Wisconsin no longer allows the establishment of new domestic partnerships under Chapter 40 of the Wisconsin statutes. This brochure provides information about the benefit changes for established domestic partnerships.

Health and Wellness News
Apr 15, 2025 5:00pm
Woman sitting along the shores overlooking the sunset while writing a journal

Wellness From Within

During the Wellness from Within challenge, live more mindfully by working on a different part of your emotional well-being each week.

Health and Wellness News
Mar 18, 2025 5:00pm
Collage of photos of people enjoying their activities, with text, "Well Wisconsin News: March Issue"

March Well Wisconsin News

Have you read the latest Well Wisconsin News? This monthly e-newsletter has information on classes, workshops, webinars, book clubs, events, and more!

Life Insurance Benefit Payout

A benefit may be paid during your lifetime or upon your death.  You or your beneficiary must make sure to follow the correct steps to receive your benefit.

WRS News Online for Employees
Sep 2, 2025 4:15pm
A bad apple is separated from four good ones.

WRS Third-Party Administrators

The WRS engages with third-party administrators to deliver certain benefit services. Here’s how to identify legitimate communications from them.