What is the CDHP/HSA (or Local CDHP/HSA) insurance plan?

The CDHP is a consumer driven health plan (CDHP) with a Health Savings Account (HSA). It uses the same provider networks and discounted rates as the PPOs.

You control and manage more of your healthcare dollars. It has a higher deductible and lower monthly premiums. Instead of copays, you pay the full, discounted medical or prescription drug cost for any claims that you incur until you reach your deductible.  You pay coinsurance after you meet your deductible until you reach your maximum out of pocket. Then you are covered at 100 percent.

To go with your CDHP, you also have a Health Savings Account (HSA), a tax-free savings account that you can use to pay for your deductible and coinsurance expenses.

For state and higher education employees, if you enroll in the CDHP, the state will put money into your HSA in 2020: $250/individual only coverage and $500/family coverage. If your coverage effective date is after September 2, the state contribution is not available. If you stay enrolled in the CDHP in 2021, then the state will add the seed funds to your HSA in early January 2021.

Local government and local education employees should check with your agency benefits coordinator to see if your agency will provide funding for your HSA.


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