Open Enrollment is here for FY2020!

The Office of Group Insurance’s Open Enrollment takes place at roughly the same time each year. This year’s Open Enrollment period runs April 29 – May 17.

alamr clock icon Open Enrollment is the only time each year that you can:

  • Change medical plan types, such as switching from Traditional to PPO.
  • Elect previously declined dependent dental coverage, dependent must also be enrolled in medical.
  • Switch your premium deductions from post-tax to pre-tax or vice versa.
  • Enroll for Healthcare flexible spending account.
  • Enroll for Dependent Care flexible spending account without a qualifying event.

Annual enrollment in Flexible Spending Accounts (FSA) is required by the IRS. Employees who want to participate for FY2020 must enroll/re-enroll in the FSA during Open Enrollment. No exceptions can be made if you miss the May 17 enrollment deadline.

In the new plan year, the High Deductible Health Plan will become compatible with Health Savings Accounts (HSA). Employees may choose to switch to this plan during Open Enrollment for a lower monthly premium as a trade-off for paying a higher percent of the healthcare costs and the ability to use existing or new HSA funds to pay for healthcare-related expense. Other things to keep in mind:

    • The state will not be sponsoring a group HSA at this time nor contributing to any HSA accounts.
    • All services and prescriptions that are not preventive in nature will be subject to the deductible before this plan begins to pay.
    • There are restrictions on using an HSA and an FSA. We encourage you to have a discussion with your HSA provider or financial institution before establishing an HSA if you’d also like to participate in the FSA.

***Once you have selected a plan, you cannot change plans until next Open Enrollment.

If you are NOT making any of the changes listed above or enrolling in flexible spending, there is no action you need to take during open enrollment. Remember, you can add or delete dependents from medical coverage at any point during the year; this action is not an Open Enrollment action.

Ever wonder how flexible spending accounts work? We’ve posted a great video tutorial at ogi.idaho.gov and our Flexible Spending Account webpage.

ThumbsUp Icon FY 2020 Premium Rates and Summaries of Benefits & Coverage for all plan types are posted to our website along with many other resources to guide you through the benefits available to you by your employer and administered by the Office of Group Insurance.

Notepad Icon Also available, the FY2020 Benefits at a Glance [PDF].