The Daily Bulletin Archive

Each November, enrollees in the NYS Health Insurance Program (NYSHIP) may elect to participate or decline participation in the Pre-Tax Contribution Program (PTCP) for the upcoming plan year. During November, current PTCP enrollees may also make the following changes to their coverage without a qualifying event. These changes affect NYSHIP deductions for the upcoming plan year. November 1–30 is the only time you can change your Pre-Tax Contribution Program election.

• Change pre-tax status for health insurance deductions
• Change from family to individual coverage
• Voluntarily cancel health insurance

If you are enrolled in PTCP, your share of the health insurance premium is deducted from your wages before taxes are withheld, which may lower your taxes. Enrollment in PTCP also restricts changes that can be made to NYSHIP coverage (e.g., switching to individual coverage) to situations in which a qualifying event takes place. Not enrolling in PTCP allows greater flexibility to make changes to NYSHIP coverage throughout the plan year.

Your pay stub shows whether or not you are enrolled in PTCP. If you are enrolled in PTCP, your pay stub shows "Regular Before-Tax Health" in the "Before-Tax Deductions" section. If you are not enrolled in PTCP, your pay stub shows "Regular After-Tax Health" in the "After-Tax Deductions" section. Your health insurance premium is deducted from your wages after taxes are withheld.

For more information about PTCP and the allowable coverage changes while enrolled in PTCP, please refer to the PTCP Change Chart and Fact Sheet (PFD, 129 KB).

If you wish to change your PTCP selection for 2018, you must file a completed NYS Health Insurance Transaction Form (PFD, 150 KB) with the Benefits Office, Cleveland Hall 410, by Thursday, November 30. Please be sure to complete sections 1–9 and 13.

No action is required to keep your current PTCP status.