2020 NYSHIP Option Transfer

2020 NYSHIP Option Transfer & Pre-Tax Contribution Program (PTCP)

The 2020 NYSHIP Option Transfer Period runs through December 31, 2019

During this period, employees enrolled in the NYS Health Insurance Program (NYSHIP) may change their plan option for the 2020 plan year.  Please see the links below for NYSHIP information, plan options, and employee share premium rates for 2020:

Option Transfer changes can be requested either online, or via a completed NYS Heath Insurance Transaction Form (PS-404) subitted to your campus HR/Benefits Office, no later than December 31, 2019

The Opt-Out Program allows eligible employees who have other employer-sponsored group health insurance to opt out of their NYSHIP coverage in exchange for an annal incentive payment of $1,000 for waiving individua coverage, or $3,000 for waiving family coverage.  For eligibility and additional program information, please see page 13 in the 2020 NYSHIP Choices booklet. To enroll in the Opt-Out Program, complete and submit the following forms to your campus HR/Benefits office by December 31, 2019.


Pre-Tax Contribution Program (PTCP)


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. Current PTCP enrollees may also make changes to their coverage, which impact the NYSHIP deduction for the upcoming plan year, without a qualifying event.

If 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 the 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 check shows whether or not you are enrolled in PTCP:

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

If you wish to change your PTCP selection for 2020, you must file a signed NYS Health Insurance Transaction Form (with sections 1-10 and 14 completed) with your campus Benefits Office by December 31, 2019.




For further information and/or assistance, please contact the Benefits Office at your State-Operated or Community College campus.

Please note that this information has been prepared as a general summary of the benefits available to SUNY employees. It cannot provide you with the complete details on all benefits related matters. You should carefully review and research the options available to you before making any enrollment decisions. Only authorized representatives from each plan administrator or benefit plan provider are adequately knowledgeable and experienced to fully address your questions or to assist you with many of the technical aspects of their respective programs. The information contained in all SUNY publications and web sites is intended only as a basic summary overview and to provide you with basic points for your consideration. You are invited to contact representatives from the benefit plan in which you are interested for additional information or with specific questions about their respective benefits or coverage.