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
Nov 27, 2006 5:00pm Report Active Employee / Retiree / Other Benefit Recipient / Board Member / Local Employer / State Employer

WRS Three-Year Experience Study January 1, 2003 - December 31, 2005

The results of the 3-year investigation of experience of the Wisconsin Retirement System are presented in this report. The investigation was made for the purpose of updating the actuarial assumptions used in valuing the actuarial liabilities of the Wisconsin Retirement System in compliance with Section 40.03(5)(b) of the Wisconsin Statutes.

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Applying for Retirement

Deciding to retire may be the hardest part of the entire process. ETF can help you master the next steps so that you make decisions that are right for you. Use the resources available on this page to help you through the process.