{"id":36658,"date":"2025-09-24T17:31:01","date_gmt":"2025-09-24T22:31:01","guid":{"rendered":"https:\/\/www.wisconsin.edu\/ohrwd\/?p=36658"},"modified":"2025-09-24T17:37:37","modified_gmt":"2025-09-24T22:37:37","slug":"choosing-between-a-high-deductible-health-plan-hdhp-and-non-hdhp","status":"publish","type":"post","link":"https:\/\/www.wisconsin.edu\/ohrwd\/blog\/2025\/09\/24\/choosing-between-a-high-deductible-health-plan-hdhp-and-non-hdhp\/","title":{"rendered":"Choosing between a High Deductible Health Plan (HDHP) and non-HDHP"},"content":{"rendered":"<p>To help you prepare for the Benefits Open Enrollment period, October 6 &#8211; October 31, 2025, the below information highlights the similarities and differences of the <strong>High Deductible Health Plan (HDHP)<\/strong> and <strong>non-HDHP<\/strong>. You should choose a health insurance plan design that best fits your needs. Changes made during Benefits Open Enrollment are effective January 1, 2026.<\/p>\n<p><strong>Similarities between the HDHP and non-HDHP<\/strong><\/p>\n<ul>\n<li>In-network preventive services are covered at 100 percent<\/li>\n<li>Federally required preventive drugs are covered at 100 percent<\/li>\n<li>Both have a premium. A premium is the amount deducted from your paycheck to pay for your health insurance.<\/li>\n<li>Both have a deductible. A deductible is the amount you pay for medical care before your insurance plan starts to pay, except for preventive services.<\/li>\n<li>Coinsurance is 10 percent. This means that you pay 10 percent of a covered service and the insurance company pays 90 percent.<\/li>\n<li>Both allow participation in the Well Wisconsin program to earn a $150 wellness incentive<\/li>\n<li>Both have an Access plan option which provides nationwide coverage (note: you will have lower out-of-pocket expenses when you use in-network providers)<\/li>\n<\/ul>\n<p><strong>Differences between the HDHP and non-HDHP<\/strong><\/p>\n<ul>\n<li>HDHPs have lower premiums but a higher deductible. Non-HDHPs have higher premiums but a lower deductible.<\/li>\n<li>HDHPs have an annual deductible that includes medical services and pharmacy benefits. Non-HDHPs have an annual deductible for medical services and do not have a deductible for pharmacy benefits.<\/li>\n<li>HDHPs have a combined annual out-of-pocket limit that includes medical services and pharmacy benefits. Non-HDHPs have separate out-of-pocket limits for medical services and pharmacy benefits.<\/li>\n<li>HDHPs include a tax-deductible Health Savings Account (HSA) to help you prepare for out-of-pocket expenses<\/li>\n<li>HDHPs include an employer contribution to your HSA<\/li>\n<\/ul>\n<p>For more information, review the <a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/\" target=\"_blank\" rel=\"noopener\">State Group Health Insurance web page<\/a>.<\/p>\n<p><strong>Source:<\/strong>\u00a0Universities of Wisconsin Office of Human Resources<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To help you prepare for the Benefits Open Enrollment period, October 6 &#8211; October 31, 2025, the below information highlights the similarities and differences of the High Deductible Health Plan (HDHP) and non-HDHP. You should choose a health insurance plan design that best fits your needs. Changes made during Benefits Open Enrollment are effective January [&#8230;]<\/p>\n","protected":false},"author":2271,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-36658","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/posts\/36658","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/users\/2271"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/comments?post=36658"}],"version-history":[{"count":5,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/posts\/36658\/revisions"}],"predecessor-version":[{"id":36663,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/posts\/36658\/revisions\/36663"}],"wp:attachment":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/media?parent=36658"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/categories?post=36658"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/wp-json\/wp\/v2\/tags?post=36658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}