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

Women’s Health and Cancer Rights Act of 1998

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
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.

Enroll or Make Changes

Learn how to enroll or make changes to your health insurance and supplemental benefits.

Plan Year
  • 2025
Program Option
  • State Employee and Retiree Health Plan & Supplemental Benefits
ET-2144
Flyer Active Employee / Retiree / Other Benefit Recipient

State of Wisconsin Health Benefit Program Data Flow

Learn how the data warehouse securely collects and stores enrollment, claims, and wellness data for all participants of the Group Health Insurance Program.

Department News
Apr 7, 2025 3:00pm
Woman holding papers in front of laptop

2025 Statement of Benefits Now Online

Non-retirees may now view, download, and print their 2025 WRS Annual Statement of Benefits online. This is in addition to receiving a mailed statement, which ETF has started distributing this month.

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
Nov 27, 2006 5:00pm Report Active Employee / Retiree / Other Benefit Recipient / Board Member / Local Employer / State Employer

WRS Three-Year Experience Study January 1, 2003 - December 31, 2005

The results of the 3-year investigation of experience of the Wisconsin Retirement System are presented in this report. The investigation was made for the purpose of updating the actuarial assumptions used in valuing the actuarial liabilities of the Wisconsin Retirement System in compliance with Section 40.03(5)(b) of the Wisconsin Statutes.