ET-7422
Manual Other Benefit Recipient

Supplemental Insurance Plans Guidelines

This document, “Supplemental Insurance Plan Guidelines,” or Guidelines, serves as a resource for insurers interested in offering the State of Wisconsin employees supplemental insurance plans.

Disclaimer of Liability

Neither the state of Wisconsin, the Department of Employee Trust Funds (ETF), nor any of its programs nor any of its employees, shall be held liable for any improper or incorrect use of, or inability to use, the information described and/or contained herein.

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