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

New Health Plan Application Information and Resources

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.

ET-4427
Form Active Employee / Retiree / Other Benefit Recipient

Statement of Incapacity for Finances and Property

Form for the member’s physician to complete if the member cannot manage property, finances or business affairs because of an impairment in the ability to receive and evaluate information or make or communicate decisions even with the use of technological assistance.

Flyer Active Employee / Retiree / Other Benefit Recipient / Board Member / Local Employer / State Employer

Hill Farms 1st Meeting Rooms-Map Only

A map of the first floor of the Hill Farms building labeled with room numbers and an arrow to the main entrance lobby.

Data Analytics and Insights

Data Analytics and Insights (DAISI) is a data warehouse and analytics tool administered by Merative. All the organizations that supply health and wellness products and services as part of the Group Health Insurance Program put data into DAISI through a secure file transfer process. DAISI organizes and protects this data and has tools to help make sense of the data.

HSA Eligible Expenses

An eligible expense is a health care service, treatment, or item the IRS states can be paid for without taxes. Eligible expenses can be incurred by you, your spouse, or qualified dependents. The Health Savings Account (HSA) can only be used to pay for eligible medical expenses incurred after your HSA was established.

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

HSA Eligible Expenses

An eligible expense is a health care service, treatment, or item the IRS states can be paid for without taxes. Eligible expenses can be incurred by you, your spouse, or qualified dependents. The Health Savings Account (HSA) can only be used to pay for eligible medical expenses incurred after your HSA was established.

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