Options Guide
Learn about your health insurance options as an active NYSHIP enrollee.
Health Coverage Options
available under NYSHIP
Familiarize yourself with the different options available to you.
The Empire Plan vs. NYSHIP HMOs
Learn how the two NYSHIP health plan types differ from one another.
The Opt-Out Program
If you have other employer-sponsored health insurance and meet program eligiblity requirements, you can opt out of NYSHIP coverage in exchange for an incentive payment.
Information and Tools
to assist you in your research
Take a deeper dive into the individual NYSHIP plans; compare benefits and costs to figure out which one best meets your needs.
Making a Choice
A list of things to consider as you review your health plan options.
Plan Comparison Tool
Generate a side-by-side comparison of benefits provided by NYSHIP plans available in your area.
Note: The 2026 version of the tool will be available via this link once the Option Transfer Period begins.
Cost of Coverage
The amount you will pay for your NYSHIP health plan.
Pre-Tax Contribution Program
Lower your taxable income by deducting your NYSHIP premium from your paycheck before taxes are withheld.
Productivity Enhancement Program
If eligible for this program, you can exchange previously accrued annual or personal leave for a credit to be applied toward your NYSHIP premium.
If You Decide to Change
your NYSHIP option
Complete the form(s) that correspond with your selection and submit to your Health Benefits Administrator by the Option Transfer deadline.
(Note: If you wish to enroll in the Opt-out Program, you must complete both forms.)
Health Insurance Transaction Form (PS-404)
Use to submit your option transfer request.
Opt-out Program Attestation Form (PS-409)
Use to enroll in the Opt-out Program.
Additional Resources
if you have questions
If you are in need of additional details, contact the health plan(s) directly or refer to NYSHIP's print publications.