Provided you did not close your WRS account by taking a separation benefit, your beneficiaries may be entitled to a benefit after your death. Understand how and what benefits are paid upon your death.
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
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
Active Employee /
Retiree /
Other Benefit Recipient /
Board Member /
Local Employer /
State Employer
SWIB's Head of Funds Alpha unpacks some of the economic challenges and opportunities investors are facing this year, as interest rates remain a dominant market theme in 2025.
ET-4427
Form
Active Employee /
Retiree /
Other Benefit Recipient
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
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
