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
Employer News
Mar 13, 2025 8:00am

March Well Wisconsin: 2024 Celebration and Awards

Wisconsin state agencies, universities, and local employers gathered at Olbrich Botanical Gardens in Madison to celebrate the successes of the 2024 Well Wisconsin program.

doctor using laptop for telemedicine

Telemedicine

Telemedicine is a general term that covers all of the ways you and your doctor can use technology to communicate without being in the same room. Learn more about your telemedicine options.

Dependent Day Care Account

A Dependent Day Care Account is a pre-tax benefit used to pay for eligible day care expenses for qualified dependents in order for you (or your spouse) to work, look for work, or attend school full-time.

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

Dependent Day Care Account

A Dependent Day Care Account is a pre-tax benefit used to pay for eligible day care expenses for qualified dependents in order for you (or your spouse) to work, look for work, or attend school full-time.

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

Health Plan Tiers

Know how the tiering process helps lower premium increases while maintaining high quality healthcare services.

Health Care Flexible Spending Account (FSA)

A Health Care Flexible Spending Account (FSA) allows you to set aside tax-free dollars each year for health care expenses not covered by insurance. You may use these funds to pay for eligible health care expenses incurred by you, your spouse, and your qualified dependents.

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