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NOTE: This chart takes into account the Reliant Employer HSA Contributions that will help offset your expenses and a 20% tax savings that you’ll realize if you additionally personally contribute up to the (EE + ER) maximum of $6,750 to your HSA account.
| HS 1500 Annual Cost | HS 3000 Annual Cost | HS 5000 Annual Cost | |||
|---|---|---|---|---|---|
Family 1 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 Savings* | $1,500 from Reliant | $2,100 from Reliant | $2,100 from Reliant | ||
Medical Costs -HSA Savings =Total Annual Cost | $0 to$1,000 -$1,000 $0 | $0 to $1,000 -$1,000 $0 | $0 to $1,000 -$1,000 $0 | ||
Family 2 Medical Costs: $5,000 in claims | Deductible: $3,000 Coinsurance: $200 Total: $3,200 | Deductible: $5,000 Coinsurance: $0 Total: $5,000 | Deductible: $5,000 Coinsurance: $0 Total: $5,000 | ||
| HSA Savings* | $1,500 from Reliant + 20% tax savings | $2,100 from Reliant + 20% tax savings | $2,100 from Reliant + 20% tax savings | ||
Medical Costs -HSA Savings =Total Annual Cost | $3,200 -$1,500 to $1,840 = $1,360 to $1,700 | $5,000 -$2,100 to $2,680 = $2,320 to $2,900 | $5,000 -$2,100 to $2,680 = $2,320 to $2,900
| ||
Family 3 Medical Costs: $40,000 in claims | Deductible: $3,000 Coinsurance: $3,000 Total: $6,000 | Deductible: $6,000 Coinsurance: $3,400 Total: $9,400 | Deductible: $10,000 Coinsurance: $0 Total: $10,000 | ||
| HSA Savings* | $1,500 from Reliant + 20% tax savings | $2,100 from Reliant + 20% tax savings | $2,100 from Reliant + 20% tax savings | ||
Medical Costs -HSA Savings =Total Annual Cost | $6,000 -$1,500 to $2,400 =$3,600 to $4,500 | $9,400 -$2,100 to $3,030 = $6,370 to $7,300
| $10,000 -$2,100 to $3,030 = $6,970 to $7,900
| ||
Family 4 Medical Costs: $100,000 and above in claims | Deductible: $3,000 Coinsurance: $3,000 Total: $6,000 | Deductible: $6,000 Coinsurance: $=6,000 Total: $12,000 | Deductible: $10,000 Coinsurance: $0 Total: $10,000 | ||
| HSA Savings* | $1,500 from Reliant + 20% tax savings | $2,100 from Reliant + 20% tax savings | $2,100 from Reliant + 20% tax savings | ||
Medical Costs -HSA Savings =Total Annual Cost | $6,000 -$1,500 to $2,400 =$3,600 to $4,500 | $12,000 -$2,100 to $3,030 = $8,970 to $9,900 | $10,000 -$2,100 to $3,030 = $6,970 to $7,900 |
*HSA Savings range includes Reliant HSA contribution plus optional member contribution up to $6,750 total per family. All out-of-pocket medical costs may be paid for from the HSA, resulting in a 20% or more savings from using pre-tax funds.
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