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
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
State Employee and Retiree Health Plan & Supplemental 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
2026
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
ET-8108
Flyer
Active Employee /
Retiree /
Other Benefit Recipient /
Local Employer /
State Employer
ETF complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.
Your WRS account information is confidential, and no one can receive information about or make changes to your account unless authorized. You can authorize another person to make changes to your account by submitting a financial power of attorney document to ETF.
Flyer
Active Employee /
Retiree /
Other Benefit Recipient /
Local Employer /
State Employer
