Your employer may offer a pre-tax contribution program, which would allow you to pay your share of NYSHIP premiums with pre-tax dollars. This in turn can lower your taxable income.
Enrollment in a pre-tax contribution program limits changes to your pre-tax health insurance
deduction for the current plan year. If your employer offers a pre-tax contribution program and you
are considering changing your type of coverage, contact your HBA regarding possible restrictions
to changes in your health insurance premium deduction.