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
High Deductible Health Plans (HDHPs) cost less per month but won't start paying for your care until you meet your deductible. The one exception is preventive care, which is covered at 100%. Learn how an HDHP differs from the other options, and if it is a good fit for you.
Plan Year
2024
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
High Deductible Health Plans (HDHPs) cost less per month but won't start paying for your care until you meet your deductible. The one exception is preventive care, which is covered at 100%. Learn how an HDHP differs from the other options, and if it is a good fit for you.
Plan Year
2025
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
Your employer may pay a portion of your health care premium if you're employed. This page lists the full premium amounts, which is the amount before any employer contribution.
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits
Your employer may pay a portion of your health care premium if you're employed. This page lists the full premium amounts, which is the amount before any employer contribution.
Program Option
State Employee and Retiree Health Plan & Supplemental Benefits