Page History
...
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.
Scenario 1: $1000 or less in claims
| 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*Employer Contribution | $1,500 from Reliant | $2,100 from Reliant | $2,100 from Reliant |
Medical Costs -HSA Savings =Total Remaining Annual Cost | $0 to$1,000 -$1,000 $0 | $0 to $1,000 -$1,000 $0 | $0 to $1,000 -$1,000 $0 |
Scenario 2: $5,000 or less in claims
| HS 1500 Annual Cost | HS 3000 Annual Cost | HS 5000 Annual Cost | |
|---|---|---|---|
Family 2 Medical Costs: $5,000 in claims | Deductible: $3,000 10% Coinsurance: $200 Total: $3,200 | Deductible: $5,000 10% Coinsurance: $0 Total: $5,000 | Deductible: $5,000 10% Coinsurance: $0 Total: $5,000 |
| HSA Savings*Employer Contribution | $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 Remaining 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 $2,900900 |
Scenario 3: $40,000 or less in claims
| HS 1500 Annual Cost | HS 3000 Annual Cost | HS 5000 Annual Cost | |
|---|---|---|---|
Family 3 Medical Costs: $40,000 in claims | Deductible: $3,000 10% Coinsurance: $3,000 Total: $6,000 | Deductible: $6,000 10% Coinsurance: $3,400 Total: $9,400 | Deductible: $10,000 10% Coinsurance: $0 Total: $10,000 |
| HSA Savings*Employer Contribution | $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 Remaining 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
|
Scenario 4: $100,000 and above in claims
| HS 1500 Annual Cost | HS 3000 Annual Cost | HS 5000 Annual Cost | |
|---|---|---|---|
Family 4 Medical Costs: $100,000 and above in claims | Deductible: $3,000 10% Coinsurance: $3,000 Total: $6,000 | Deductible: $6,000 10% Coinsurance: $=6,000 Total: $12,000 | Deductible: $10,000 10% Coinsurance: $0 Total: $10,000 |
| HSA Savings*Employer Contribution | $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 Remaining 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.
Include Page FMHOME:Insurance contact FMHOME:Insurance contact
