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
Your employer may pay a portion of your health care premium if you're employed. This page lists the full premium amounts, which is the amount before any employer contribution.
Program Option
Local Traditional Health Plan (PO12) & Supplemental Benefits
Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
Plan Year
2026
Flyer
Active Employee /
Local Employer /
State Employer
The State of Wisconsin Group Health Insurance Program (GHIP) provides uniform health benefits to both state agencies and local government entities. Nearly a dozen health plans participate in the GHIP providing coverage to nearly one-quarter million lives.
This page contains information for health plans interested in joining the GHIP. All health plans must apply to join the program. Here you will find access the application, additional resources, and more information on the application process.
Your employer may pay a portion of your health care premium if you're employed. This page lists the full premium amounts, which is the amount before any employer contribution.
Plan Year
2025
Program Option
Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
Your employer may pay a portion of your health care premium if you're employed. This page lists the full premium amounts, which is the amount before any employer contribution.
Program Option
Local Traditional Health Plan (PO12) & Supplemental Benefits
Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
Your employer may pay a portion of your health care premium if you're employed. This page lists the full premium amounts, which is the amount before any employer contribution.
Plan Year
2025
Program Option
Local Traditional Health Plan (PO12) & Supplemental Benefits
