Consumer Directed HealthSelect
Consumer Directed HealthSelectSM is a high-deductible health plan paired with a health savings account (HSA). If you are enrolled in Medicare, you are not eligible for this plan. Consumer Directed HealthSelect has the same provider network as HealthSelect of Texas®, which includes more than 50,000 providers throughout Texas. You do not need to choose a primary care provider. You will pay less for your health care if you see providers who are in the HealthSelectSM network.
You are responsible for paying the full cost of health care (except preventive care) and prescriptions until you reach your annual deductible of $2,100 per individual or $4,200 per family for in-network services and $4,200 per individual or $8,400 per family for out-of-network services. Deductibles reset on January 1 each year and might change from year to year. (ERS sets the deductibles).
Be prepared for out-of-pocket expenses with a health savings account
To help cover the possibly higher out-of-pocket health expenses, Consumer Directed HealthSelect is paired with a health savings account (HSA). You can use the funds from your HSA to pay for qualified medical expenses.
HSA contribution limits for 2021are $3,600 for individual coverage and $7,200 for family coverage. If you are 55+ there is an additional $1,000 catch-up contribution. Learn more.
Each month, the State of Texas contributes to your Consumer Directed HealthSelect HSA pre-tax ($45 per individual, $90 per family for eligible members). You can also make tax-deductible contributions to your HSA up to a certain amount determined each year by the IRS. The unused balance can be carried over from year to year.
HSAs are portable. If you change to a different health plan or change employers, the money in your HSA stays with you.
Learn more about opening a Consumer Directed HealthSelect HSA or visit your online account.