Health and Wellness News
Oct 6, 2025 12:00pm
A dad piggybacks his child, with healthcare staff on the background.

Open Enrollment Starts Today

The annual open enrollment period has started and ends October 31, 2025. Know some notable changes for your insurance in 2026.

Stethoscope

No Surprises Act

The No Surprises Act (the Act) is a part of the Consolidated Appropriations Act of 2021 (CAA). The CAA was passed by the U.S. Congress in December of 2020. The Act portion of the legislation addresses surprise medical billing by healthcare providers and other member protections. Learn more about the No Surprises Act and its developing guidelines.

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

Out-Of-Network Health Services for Access Plans

Out-of-network services are only available with the Access Plan and Access HDHP. Learn how much it will cost to visit the doctor, have labs drawn, get an X-ray, and more.

Program Option
  • State Employee and Retiree Health Plan & Supplemental Benefits
Plan Year
  • 2025

Out-Of-Network Health Services for Access Plans

Out-of-network services are only available with the Access Plan and Access HDHP. Learn how much it will cost to visit the doctor, have labs drawn, get an X-ray, and more.

Program Option
  • State Employee and Retiree Health Plan & Supplemental Benefits
Plan Year
  • 2026

General Information FAQs

Program Option
  • 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

In-Network Health Services

Learn how much it will cost to visit the doctor, have labs drawn, get an X-ray and more.

Program Option
  • State Employee and Retiree Health Plan & Supplemental Benefits
Plan Year
  • 2025
ET-2405
Form Active Employee / Retiree

ETF Insurance Complaint Form

If you filed a grievance with the plan or benefit administrator and are dissatisfied with the final decision, you can request an administrative review from ETF.

ET-2385
Form Active Employee / Local Employer / State Employer

Health Savings Account (HSA) Enrollment

For UWs use only, as a paper alternative for a member who cannot complete their HSA enrollment online.

Breakdown of Your Costs by Plan Design

Learn how much you can expect to pay when you visit the doctor, get an X-ray, and more.
Plan Year
    2025
Program Option
    Local High Deductible Health Plan (PO17) & Supplemental Benefits

Breakdown of Your Costs by Plan Design

Learn how much you can expect to pay when you visit the doctor, get an X-ray, and more.
Plan Year
    2025
Program Option
    Local High Deductible Health Plan with Uniform Dental (PO7) & Supplemental Benefits