High Deductible Health Plan (HDHP)

Permanent state employees, university system employees and district health unit employees are eligible to participate in a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA).  Participation in the HDHP/HSA is optional.  Temporary employees and employees of political subdivisions are not eligible to participate in the HDHP/HSA at this time.

The HDHP/HSA option has higher annual deductibles and larger out-of-pocket costs for medical services.  However, the higher initial out-of-pocket costs are partially offset by an employer contribution to an HSA created in the memberís name.  The NDPERS HDHP/HSA has a cap on how much you will pay out-of-pocket during a year, and covers preventive services (as designated by the Affordable Care Act (ACA)) with no out-of-pocket cost to you.

NOTE: Links to the Group Health Plan Handbook will open in a new window. Be sure to close each new window BEFORE selecting another link.

Contact Blue Cross Blue Shield of North Dakota if you require additional information.  Fargo area:  (701) 282-1400.  Toll-free:  800-223-1704.