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
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How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local Traditional Health Plan with Uniform Dental (PO2) & Supplemental Benefits
Man at computer with cup of coffee

How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local Traditional Health Plan (PO12) & Supplemental Benefits
Man at computer with cup of coffee

How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local Deductible Health Plan with Uniform Dental (PO4) & Supplemental Benefits
Man at computer with cup of coffee

How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local High Deductible Health Plan (PO17) & Supplemental Benefits
Man at computer with cup of coffee

How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local Health Plan (PO16) & Supplemental Benefits
Man at computer with cup of coffee

How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local Health Plan with Uniform Dental (PO6) & Supplemental Benefits
Man at computer with cup of coffee

How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local High Deductible Health Plan with Uniform Dental (PO7) & Supplemental Benefits
Man at computer with cup of coffee

How to Choose & Enroll in Your Benefits

Here for open enrollment? Just start a new job? Or have a baby? Start here to find out when you can enroll or make changes to your benefits and the steps to make those changes

Plan Year
  • 2025
Program Option
  • Local Deductible Health Plan (PO14) & Supplemental Benefits