Employee-Only Coverage Scenarios

Some of you may be wondering how likely, on average, it is to experience a high claims year. This data below may help you to see that the likelihood of experiencing a very high claims year is fairly low. (The 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. But hopefully these help you see the potential financial effect that selecting the HS 3000 Plan may have for you. 

Examples to consider

This chart shows three different employee scenarios in annual claims and how this plays out for the HS 1500, 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 and . Additionally, you may receive as much as a 20% tax savings that you’ll realize if you additionally elect to personally contribute up to the (ER + EE) maximum of $3,400 to into your HSA account (employee contributions).

 Scenario 1: $1,000 or less in claims

Scenario 2: $5,000 or less in claims

Scenario 3: $40,000 and above in claims

 *HSA Savings range includes Reliant HSA contribution plus optional member contribution up to $3,400 total. 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.account - see