*** In the interest of full disclosure, I am employed by HMSA and the following post will be biased toward my employer. HMSA has not paid or asked me to write this post. The above chart is from the Open Enrollment Reference Guide. The Employer-Union Health Benefit Trust Fund (EUTF) will offer Open Enrollment (OE) for health plans to all active State of Hawaii employees starting in November 2009. Open Enrollment is the time of year when employees can make a choice of what health plan they wish to have for the coming year. This is an annual process. Most of the time (and I am an example of this) when you first get hired your company will lay out its benefits choices and you setup which plan you want to go with and forget about it. Each year you are told if you don't do anything at Open Enrollment, you will rollover to your current existing plan. This is all about to change with the 65,000 active State of Hawaii workers. As described in the first option, if you currently have HMSA 90/10 PPO and you do nothing, you will get converted to HMA 90/10 PPO. HMA is a Mainland company, part of the family of I/MX family of companies based in Tempe, Arizona. If you want to stay with HMSA you will need to fill out the EC-1 form, specifically selecting HMSA. This is very different from previous years. Action needs to be taken to stay with HMSA. I won't get into details as to why this is being handled this way. A lot of it has to do with price. Plans are different and in this OE period HMSA is offering an 80/20 PPO plan. HMSA will outline the different plans and benefits in forthcoming news releases. My intent here is to make people aware of this change. At the end of the day, each State of Hawaii employee will need to make their own decision regarding health plans based on their finances and the value their plan choice provides. I only hope that people make informed decisions and not placed in a plan because they were unaware of the change. If you have any questions please feel free to post comments here and I will personally track down the answers. If you read this post please pass it on to a fellow State employee. Mahalo!