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titleEmployee-Only Scenarios

Employee-Only Coverage Scenarios

Some of you may be wondering how likely, on average, it is to experience a high claims year. The statistics below may help you to see that the likelihood of experiencing a very high claims year is fairly low. (These statistics are based upon information received from our benefits consulting firm, Marsh Consulting Group.)

  • 5% of people will experience $40,000 or more in annual claims in any given year.

  • 30% of people will experience about $5,000 in annual claims in any given year.

  • 65% of people will experience $1,000 or less in annual claims in any given year.

These are simply statistics and you know your personal medical situation the best.

Out-of-pocket maximums to consider:

  • HS 2000 - $4,000
  • HS 3000 - $5,000
  • HS 5000 - $5,000

Examples to consider

This chart shows three different employee scenarios in annual claims and how this plays out for the HS 2000, HS 3000 and HS 5000 plans. 

  • Employee 1 — $1,000 or less in annual claims

  • Employee 2 — $5,000 in claims

  • Employee 3 — $40,000 and above in claims

NOTE: This chart takes into account the Reliant Employer HSA Contributions that will help offset your expenses. Additionally, you may receive as much as a 20% tax savings if you elect to personally contribute into your HSA account (employee contributions).

 Scenario 1: $1,000 or less in claims


HS 2000 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $1,000 or less in claims

$0 (preventive only) to $1,000$0 (preventive only) to $1,000$0 (preventive only) to $1,000
HSA employer contribution

$420 $300 from Reliant

$600 $300 from Reliant

$600 $300 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account for expenses)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$0 to $1,000

-$420$300

=$0 to $580$700

$0 to $1,000

-$600$300

=$0 to $400$700

$0 to $1,000

-$600$300

=$0 to $400$700

Scenario 2: $5,000 or less in claims


HS 2000 Annual Cost

HS 3000 Annual Cost

HS 5000 Annual Cost

Medical Costs: $5000 in claims

Deductible: $2,000

10% Coinsurance: $300

Total: $2,300

Deductible: $3,000

10% Coinsurance: $200

Total: $3,200

Deductible: $5,000

No Co insurance

Total: $5,000

HSA employer contribution

$420 $300 from Reliant

$600 $300 from Reliant$600

$300 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$2,300

-$420$300

= $1$2,430000

$3,200

-$600$300

= $2,600900

$5000$5,000

-$600$300

= $4,400700

Scenario 3: $40,000 and above in claims


HS 2000 Annual Cost

HS 3000 Annual Cost

HS 5000 Annual Cost

Medical Costs: $40,000 and above in claims

Deductible: $2,000

10% Coinsurance: $2,000

Total: $4,000

Deductible: $3,000

10% Coinsurance: $2,000

Total $5,000

Deductible: $5,000

No Co insurance

Total: $5,000

HSA employer contribution

$420 $300 from Reliant

$600 $300 from Reliant$600

$300 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$3$4,000

-$420$300

= $2$3,580700

$6$5,000

-$600$300

= $5$4,400700

$5,000

-$600$300

= $4,400700


*All out-of-pocket medical costs may be paid for from the HSA account - see Maximum Employee HSA Contribution Amounts for details of how much you can contribute into the HSA as a personal employee contribution.

...

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titleEmployee + Spouse/Employee + Child(ren) Coverage Scenarios

Employee + Spouse/ Employee + Child(ren) Coverage Scenarios

Some of you may be wondering how likely, on average, it is to experience a high claims year. The statistics below may help you to see that the likelihood of experiencing a very high claims year is fairly low. (These statistics are based upon information received from our benefits consulting firm, Marsh Consulting Group.)

  • 1% of couples/households will experience $100,000 or more in annual claims in any given year.

  • 4% of couples/households will experience about $40,000 in annual claims in any given year.

  • 30% of couples/households will experience about $5,000 in annual claims in any given year.

  • 65% of couples/households will experience about $2,100 or less in annual claims in any given year.

These are simply statistics and you know your household's medical situation the best. 

Out-of-pocket maximums to consider: 

  • HS 2000 - $8,000
  • HS 3000 - $10,000
  • HS 5000 - $10,000

 Examples to consider 

This chart shows three different household scenarios in annual claims and how this plays out for the HS 1500, HS 3000 and HS 5000 plans.

  • Couple/Household 1 — $1,000 or less in annual claims

  • Couple/Household 2 — $5,000 in claims

  • Couple/Household 3 — $40,000 in claims

  • Couple/Household 4 — $100,000 and above in claims

NOTE: This chart takes into account the Reliant Employer HSA Contributions that will help offset your expenses. Additionally, you may receive as much as a 20% tax savings if you elect to personally contribute into your HSA account (employee contributions).

 Scenario 1: $1000 or less in claims


HS 2000 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $1,000 or less in claims

$0 (preventive only) to $1,000$0 (preventive only) to $1,000$0 (preventive only) to $1,000
HSA Employer Contribution$900 $600 from Reliant$1,500 $600 from Reliant$1,500 $600 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$0 to$1,000

-$900$600

$0 - $100$400

$0 to $1,000

-$1,500$600

$0 - $400

$0 to $1,000

-$1,500$600

$0 - $400

Scenario 2: $5,000 or less in claims


HS 2000 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $5,000 in claims

Deductible: $4,000

10% Coinsurance: $100

Total: $4,100

Deductible: $5,000

10% Coinsurance: $0

Total: $5,000

Deductible: $5,000

No Co insurance

Total: $5,000

HSA Employer Contribution

$900 $600 from Reliant

$1,500 $600 from Reliant$1,500

$600 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$4,100

-$900$600

= $2$3,300500

$5,000

-$1,500$600

= $3$4,500400

$5,000

-$1,500$600

= $3$4,500400

Scenario 3: $40,000 or less in claims


HS 2000 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $40,000 in claims

Deductible: $4,000

10% Coinsurance: $4,000

Total: $8,000

Deductible: $6,000

10% Coinsurance: $5,000

Total: $10,000

Deductible: $10,000

No Co insurance

Total: $10,000

HSA Employer Contribution

$900 $600 from Reliant

$1,500 $600 from Reliant$1,500

$600 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$8,000

-$900$600

= $5$7,100400

$10,000

-$1,500$600

= $7$9,900400


$10,000

-$1,500$600

= $8$9,500400


Scenario 4: $100,000 and above in claims


HS 2000 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $100,000 and above in claims

Deductible: $4,000

10% Coinsurance: $4,000

Total: $8,000

Deductible: $6,000

10% Coinsurance: $5,000

Total: $10,000

Deductible: $10,000

No Co insurance

Total: $10,000

HSA Employer Contribution

$900 $600 from Reliant

$1,500 $600 from Reliant$1,500

$600 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$8,000

-$900$600

= $5$7,100400

$10,000

-$1,500$600

= $10$9,500400

$10,000

-$1,500$600

= $8$9,500400


*All out-of-pocket medical costs may be paid for from the HSA account - see Maximum Employee HSA Contribution Amounts for details of how much you can contribute into the HSA as a personal employee contribution.

...

UI Expand
titleFamily Coverage Scenarios

Family Coverage Scenarios

Some of you may be wondering how likely, on average, it is to experience a high claims year. The statistics below may help you to see that the likelihood of experiencing a very high claims year is fairly low. (These statistics are based upon information received from our benefits consulting firm, Marsh Consulting Group.)

  • 1% of families will experience $100,000 or more in annual claims in any given year.

  • 4% of families will experience about $40,000 in annual claims in any given year.

  • 30% of families will experience about $5,000 in annual claims in any given year.

  • 65% of families will experience about $2,100 or less in annual claims in any given year.

These are simply statistics and you know your family's medical situation the best.  

Out-of-pocket maximums to consider: 

  • HS 1500 - $8,000
  • HS 3000 - $10,000
  • HS 5000 - $10,000 

 Examples to consider 

This chart shows three different family scenarios in annual claims and how this plays out for the HS 1500, HS 3000 and HS 5000 plans.

  • Family 1 — $1,000 or less in annual claims

  • Family 2 — $5,000 in claims

  • Family 3 — $40,000 in claims

  • Family 4 — $100,000 and above in claims

NOTE: This chart takes into account the Reliant Employer HSA Contributions that will help offset your expenses. Additionally, you may receive as much as a 20% tax savings if you elect to personally contribute into your HSA account (employee contributions).

 Scenario 1: $1000 or less in claims


HS 1500 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $1,000 or less in claims

$0 (preventive only) to $1,000$0 (preventive only) to $1,000$0 (preventive only) to $1,000
HSA Employer Contribution$1,500 $900 from Reliant$2,100 $900 from Reliant$2,100 $900 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$0 to$1,000

-$1,000$900

$0 - $100

$0 to $1,000

-$1,000$900

$0 - $100

$0 to $1,000

-$1,000$900

$0 - $100

Scenario 2: $5,000 or less in claims


HS 1500 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $5,000 in claims

Deductible: $4,000

10% Coinsurance: $100

Total: $4,100

Deductible: $5,000

10% Coinsurance: $0

Total: $5,000

Deductible: $5,000

No Co insurance

Total: $5,000

HSA Employer Contribution

$1,500 $900 from Reliant

$2,100 $900 from Reliant$2,100

$900 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$3$4,200100

-$1,500$900

= $1$3,700200

$5,000

-$2,100$900

= $2$4,900100

$5,000

-$2,100$900

= $2$4,900100

Scenario 3: $40,000 or less in claims


HS 1500 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $40,000 in claims

Deductible: $4,000

10% Coinsurance: $4,000

Total: $8,000

Deductible: $6,000

10% Coinsurance: $5,000

Total: $10,000

Deductible: $10,000

No Co insurance

Total: $10,000

HSA Employer Contribution

$1,500 $900 from Reliant

$2,100 $900 from Reliant$2,100

$900 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$8,000

-$1,500$900

= $4$7,500100

$10,000

-$2,100$900

= $7$9,300100


$10,000

-$2,100$900

= $7$9,900100


Scenario 4: $100,000 and above in claims


HS 1500 Annual CostHS 3000 Annual CostHS 5000 Annual Cost

Medical Costs: $100,000 and above in claims

Deductible: $4,000

10% Coinsurance: $4,000

Total: $8,000

Deductible: $6,000

10% Coinsurance: $5,000

Total: $10,000

Deductible: $10,000

No Co insurance

Total: $10,000

HSA Employer Contribution

$1,500 from Reliant

$2,100 from Reliant

$2,100 from Reliant

Medical Costs

Minus HSA Employer Contribution (Use the HSA account to pay these costs)

= *Total Remaining Annual Costs

*This is the amount you may consider making employee contributions into the HSA account to help offset

$6$8,000

-$1,500$900

= $4$7,500100

$12$10,000

-$2,100$900

= $9,900100

$10,000

-$2,100$900

= $7$9,900100


*All out-of-pocket medical costs may be paid for from the HSA account - see Maximum Employee HSA Contribution Amounts for details of how much you can contribute into the HSA as a personal employee contribution.

...