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["University of Arkansas System Health Benefits Calculator for 2021 Plan Year"]
["Disclaimer:",{"$nulls":8},"Hide these rows prior to distribution"]
["The scenarios presented here are illustrative and are only meant to provide a basis for comparison among the three medical plan options.  The scenarios are not a guarantee of future results. The actual costs of services may vary depending on when and where  services are performed."]
[]
[]
["Instructions:"]
[]
["First, select your desired coverage election in cell B13 (highlighted blue)."]
["Next, add your monthly employee premium for health insurance for each medical plan option in cells B16, B17, and B18 (highlighted green).  "]
["   Refer to your campus HR website or contact your campus HR department if you are unsure of your monthly empoyee premium."]
["      The monthly employee premium should be on a 12-month basis."]
[]
["Choose your coverage election","Employee Only"]
[]
["Enter your monthly premium (12-month basis) for the following plans:",{"$nulls":4}," "]
["Health Savings Plan",{"$nulls":9},"Activate Macro?","Y"]
["Classic Plan"]
["Premier Plan"]
[]
["Output:",{"$nulls":12},"Prior to release, click this button"]
["Based on your inputs, see below for two examples illustrating your total estimated out-of-pocket expenses under each plan.",{"$nulls":5}," "]
[]
["Employee Only - Low Health Care Needs",{"$nulls":9},{"$f":"+IF(OR($B$13=\"Employee Only\",$L$16=\"N\"),1,0)","v":1}]
[{"$nulls":10},1]
["• 1 preventive doctor’s office visit: $172 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},1]
["• 1 diagnostic doctor’s office visit: $127",{"$nulls":9},1]
["• 1 Tier-2 antibiotic: $75",{"$nulls":7}," ",null,1]
[{"$nulls":10},1]
["Your Annual Costs",{"$nulls":7}," ",null,1]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},1]
["Preventive visit",0,0,0,{"$nulls":6},1]
["Office visit",127,35,25,{"$nulls":6},1]
["Tier-2 prescription drugs",75,62,57,{"$nulls":6},1]
["Total out-of-pocket expenses",{"$f":"+SUM(B31:B33)","v":202},{"$f":"+SUM(C31:C33)","v":97},{"$f":"+SUM(D31:D33)","v":82},{"$nulls":6},1]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},1]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},{"$f":"+IF(OR($B$13=\"Employee Only\",$L$16=\"N\"),1,0)","v":1}]
["Employee net cost",{"$f":"+B34+B36-B35","v":-298},{"$f":"+C34+C36","v":97},{"$f":"+D34+D36","v":82},{"$nulls":6},1]
[{"$nulls":10},1]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B30:D30,MATCH(MIN(B37:D37),B37:D37,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Health Savings Plan."},{"$nulls":9},1]
[{"$nulls":10},1]
[{"$nulls":10},1]
["Employee Only - High Health Care Needs",{"$nulls":9},1]
[{"$nulls":10},1]
["• 1 preventive doctor’s office visit: $172 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},1]
["• 1 emergency room visit: $1,233",{"$nulls":9},1]
["• 3 days in the hospital: $8,157",{"$nulls":9},1]
["• 6 specialist diagnostic doctor’s office visits: $762",{"$nulls":9},1]
["• 2 Tier-2 antibiotic: $300",{"$nulls":9},1]
[{"$nulls":10},1]
["Your Annual Costs",{"$nulls":9},1]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},1]
["Preventive visit",0,0,0,{"$nulls":6},1]
["Emergency room visit (admitted)",1233,0,0,{"$nulls":6},1]
["Hospital stay",{"$f":"+(2800-B53)+(8157-(2800-B53))*0.1","v":2226},{"$f":"300+1250+(8157-300-1250)*0.25","v":3201.75},{"$f":"300+700 +(8157-300-700)*0.2","v":2431.4},{"$nulls":6},1]
["Specialist office visits",{"$f":"762*0.1","v":76.2},{"$f":"6*55","v":330},{"$f":"45*6","v":270},{"$nulls":6},1]
["Tier-2 prescriptions drugs",{"$f":"300*0.1","v":30},{"$f":"62*2","v":124},{"$f":"57*2","v":114},{"$nulls":6},1]
["Total out-of-pocket expenses",{"$f":"+SUM(B52:B56)","v":3565.2},{"$f":"+SUM(C52:C56)","v":3655.75},{"$f":"+SUM(D52:D56)","v":2815.4},{"$nulls":6},1]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},1]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},1]
["Employee net cost",{"$f":"+B57+B59-B58","v":3065.2},{"$f":"+C57+C59","v":3655.75},{"$f":"+D57+D59","v":2815.4},{"$nulls":6},1]
[{"$nulls":10},1]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B51:D51,MATCH(MIN(B60:D60),B60:D60,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Premier Plan."},{"$nulls":9},1]
[{"$nulls":10},1]
[{"$nulls":10},1]
["Employee and Spouse - Low Health Care Needs",{"$nulls":9},{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$L$16=\"N\"),1,0)","v":0}]
[{"$nulls":10},{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",{"$nulls":9},0]
["• 12 Tier 1 drugs: $396",{"$nulls":9},0]
["• 2 doctor’s office visits: $254",{"$nulls":9},0]
["• 2 specialist doctor’s office visits: $254",{"$nulls":9},0]
["• 1 preventive doctor’s office visit: $172 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},0]
[{"$nulls":10},0]
["Spouse's Expenses",{"$nulls":9},0]
["• 6 Tier 1 drugs: $198",{"$nulls":9},0]
["• 2 doctor’s office visits: $254",{"$nulls":9},0]
["• 2 Tier-2 drugs: $300",{"$nulls":9},0]
["• 1 preventive doctor’s office visit: $172 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},0]
[{"$nulls":10},0]
["Your Annual Costs",{"$nulls":9},0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},0]
["Preventive visits for each family member",0,0,0,{"$nulls":6},0]
["Employee's Tier 1 prescription drugs",396,{"$f":"12*18","v":216},{"$f":"12*14","v":168},{"$nulls":6},0]
["Employee's office visits",254,{"$f":"2*35","v":70},{"$f":"2*25","v":50},{"$nulls":6},0]
["Employee's specialist office visits",254,{"$f":"2*55","v":110},{"$f":"2*45","v":90},{"$nulls":6},0]
["Spouse's Tier 1 prescription drugs",198,{"$f":"6*18","v":108},{"$f":"6*14","v":84},{"$nulls":6},0]
["Spouse's office visits",254,{"$f":"2*35","v":70},{"$f":"2*25","v":50},{"$nulls":6},0]
["Spouse's Tier 2 prescription drugs",300,{"$f":"2*62","v":124},{"$f":"2*57","v":114},{"$nulls":6},0]
["Total out-of-pocket expenses",{"$f":"+SUM(B81:B87)","v":1656},{"$f":"+SUM(C81:C87)","v":698},{"$f":"+SUM(D81:D87)","v":556},{"$nulls":6},0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},0]
["Employee net cost",{"$f":"+B88+B90-B89","v":1156},{"$f":"+C88+C90","v":698},{"$f":"+D88+D90","v":556},{"$nulls":6},0]
[{"$nulls":10},0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B80:D80,MATCH(MIN(B91:D91),B91:D91,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Premier Plan."},{"$nulls":9},0]
[{"$nulls":10},0]
[{"$nulls":10},0]
["Employee and Spouse - High Health Care Needs",{"$nulls":9},0]
[{"$nulls":10},0]
["Spouse's Expenses",{"$nulls":9},0]
["• 1 ambulance: $1,040",{"$nulls":9},0]
["• 1 emergency room visit: $1,233",{"$nulls":9},0]
["• 4 days in the hospital: $10,876",{"$nulls":9},0]
["• 1 Tier 3 medication: $2,980",{"$nulls":9},0]
["• 3 specialist diagnostic doctor’s office visits: $381",{"$nulls":9},0]
["• 14 physical therapy visits: $3,346",{"$nulls":9},0]
[{"$nulls":10},0]
["Your Annual Costs",{"$nulls":9},0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},0]
["Spouse's ambulance",1040,0,0,{"$nulls":6},0]
["Spouse's emergency room visit (admitted)",1233,0,0,{"$nulls":6},0]
["Spouse's hospital stay",{"$f":"+(2800-B109-B108)+(10876-(2800-B109-B108))*0.1","v":1561.9},{"$f":"300+1250+(10876-300-1250)*0.25","v":3881.5},{"$f":"300+700+(10876-300-700)*0.2","v":2975.2},{"$nulls":6},0]
["Spouse's Tier 3 prescription drugs",{"$f":"2980*0.1","v":298},97,92,{"$nulls":6},0]
["Spouse's 3 specialist office visits",{"$f":"381*0.1","v":38.1},{"$f":"55*3","v":165},{"$f":"MIN(3*45,MAX(0,3050-D110))","v":74.800000000000182},{"$nulls":6},0]
["Spouse's 14 physical therapy visits",{"$f":"3346*0.1","v":334.6},{"$f":"MIN(55+(3346-55)*0.25,5250-C112-C110-C109-C108)","v":877.75},{"$f":"MIN(45+(3346-45)*0.2,MAX(3050-D112-D110-D109-D108,0))","v":0},{"$nulls":6},0]
["Total out-of-pocket expenses",{"$f":"+SUM(B108:B113)","v":4505.6000000000004},{"$f":"+SUM(C108:C113)","v":5021.25},{"$f":"+SUM(D108:D113)","v":3142},{"$nulls":6},0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},0]
["Employee net cost",{"$f":"+B114+B116-B115","v":4005.6000000000004},{"$f":"+C114+C116","v":5021.25},{"$f":"+D114+D116","v":3142},{"$nulls":6},0]
[{"$nulls":10},0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B107:D107,MATCH(MIN(B117:D117),B117:D117,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Premier Plan."},{"$nulls":9},0]
[{"$nulls":10},0]
[{"$nulls":10},0]
["Employee and Child - Low Health Care Needs",{"$nulls":9},{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$L$16=\"N\"),1,0)","v":0}]
[{"$nulls":10},{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",{"$nulls":9},0]
["• 1 preventive doctor’s office visit: $172 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},0]
["• 1 doctor’s office visit: $127",{"$nulls":9},0]
["• 2 Tier 1 antibiotic: $66",{"$nulls":9},0]
[{"$nulls":10},0]
["Child's Expenses",{"$nulls":9},0]
["• 1 preventive doctor’s office visit: $172 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},0]
["• 1 Tier 2 antibiotic: $75",{"$nulls":9},0]
["• 2 doctor’s office visits: $254",{"$nulls":9},0]
[{"$nulls":10},0]
["Your Annual Costs",{"$nulls":9},0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},0]
["Preventive visits for each family member",0,0,0,{"$nulls":6},0]
["Employee's office visit",127,35,25,{"$nulls":6},0]
["Employee's Tier 1 prescription drugs",66,{"$f":"2*18","v":36},{"$f":"2*14","v":28},{"$nulls":6},0]
["Child's office visits",254,{"$f":"2*35","v":70},{"$f":"2*25","v":50},{"$nulls":6},0]
["Child's Tier 2 prescription drugs",75,62,57,{"$nulls":6},0]
["Total out-of-pocket expenses",{"$f":"+SUM(B136:B140)","v":522},{"$f":"+SUM(C136:C140)","v":203},{"$f":"+SUM(D136:D140)","v":160},{"$nulls":6},0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},0]
["Employee net cost",{"$f":"+B141+B143-B142","v":22},{"$f":"+C141+C143","v":203},{"$f":"+D141+D143","v":160},{"$nulls":6},0]
[{"$nulls":10},0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B135:D135,MATCH(MIN(B144:D144),B144:D144,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},{"$nulls":9},0]
[{"$nulls":10},0]
[{"$nulls":10},0]
["Employee and Children - High Health Care Needs",{"$nulls":9},0]
[{"$nulls":10},0]
["Employee's Expenses",{"$nulls":9},0]
["• 1 preventive doctor’s office visit: $172 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},0]
["• 2 specialist doctor’s office visits: $254",{"$nulls":9},0]
["• 3 Tier-1 antibiotics: $100",{"$nulls":9},0]
[{"$nulls":10},0]
["Daughter's Expenses",{"$nulls":9},0]
["• 1 urgent care visit: $155",{"$nulls":9},0]
["• 1 Tier-3 prescription: $1,500",{"$nulls":9},0]
["• 4 days in the hospital: $10,876",{"$nulls":9},0]
["• 2 specialist doctor’s office visits: $254",{"$nulls":9},0]
[{"$nulls":10},0]
["Son's Expenses",{"$nulls":9},0]
["• 2 specialist doctor’s office visits: $254",{"$nulls":9},0]
["• 3 Tier-1 antibiotics: $33",{"$nulls":9},0]
[{"$nulls":10},0]
["Your Annual Costs",{"$nulls":9},0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},0]
["Preventive visits for each family member",0,0,0,{"$nulls":6},0]
["Employee's specialist office visits",254,{"$f":"55*2","v":110},{"$f":"45*2","v":90},{"$nulls":6},0]
["Employee's Tier 1 prescription drugs",100,{"$f":"18*3","v":54},{"$f":"14*3","v":42},{"$nulls":6},0]
["Daughter's urgent care visit",155,55,50,{"$nulls":6},0]
["Daughter's Tier 3 prescription drugs",1500,97,92,{"$nulls":6},0]
["Daughter's hospital stay",{"$f":"+(2800-B171-B172)+(10876-(2800-B171-B172))*0.1","v":2118.1},{"$f":"+(10876-1250-300)*0.25+1250+300","v":3881.5},{"$f":"MIN(300+700+(10876-300-700)*0.2,3050-D171)","v":2975.2},{"$nulls":6},0]
["Daughter's specialist office visits",{"$f":"254*0.1","v":25.400000000000002},{"$f":"2*55","v":110},{"$f":"2*45","v":90},{"$nulls":6},0]
["Son's office visits",254,{"$f":"2*55","v":110},{"$f":"2*45","v":90},{"$nulls":6},0]
["Son's Tier 1 prescription drugs",33,{"$f":"3*18","v":54},{"$f":"3*14","v":42},{"$nulls":6},0]
["Total out-of-pocket expenses",{"$f":"+SUM(B168:B176)","v":4439.5},{"$f":"+SUM(C168:C176)","v":4471.5},{"$f":"+SUM(D168:D176)","v":3471.2},{"$nulls":6},0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},0]
["Employee net cost",{"$f":"+B177+B179-B178","v":3939.5},{"$f":"+C177+C179","v":4471.5},{"$f":"+D177+D179","v":3471.2},{"$nulls":6},0]
[{"$nulls":10},0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B167:D167,MATCH(MIN(B180:D180),B180:D180,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Premier Plan."},{"$nulls":9},0]
[{"$nulls":10},0]
[{"$nulls":10},0]
["Employee and Family - Low Health Care Needs",{"$nulls":9},{"$f":"+IF(OR($B$13=\"Employee & Family\",$L$16=\"N\"),1,0)","v":0}]
[{"$nulls":10},{"$f":"+IF(OR($B$13=\"Employee & Family\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",{"$nulls":9},0]
["• 1 doctor’s office visit: $127",{"$nulls":9},0]
["• 6 Tier-1 antibiotics: $200",{"$nulls":9},0]
["• 1 Tier-2 prescription: $200",{"$nulls":9},0]
[{"$nulls":10},0]
["Spouse's Expenses",{"$nulls":9},0]
["• 2 specialist doctor’s office visits: $254",{"$nulls":9},0]
["• 1 Tier-2 prescription: $200",{"$nulls":9},0]
[{"$nulls":10},0]
["Daughter's Expenses",{"$nulls":9},0]
["• 2 Tier-1 antibiotics: $66",{"$nulls":9},0]
["• 1 doctor’s office visit: $127",{"$nulls":9},0]
["• 3 preventive doctor’s office visits: $516 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},0]
[{"$nulls":10},0]
["Your Annual Costs",{"$nulls":9},0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},0]
["Preventive visits for each family member",0,0,0,{"$nulls":6},0]
["Employee's office visit",127,35,25,{"$nulls":6},0]
["Employee's Tier 1 prescription drugs",200,{"$f":"18*6","v":108},{"$f":"14*6","v":84},{"$nulls":6},0]
["Employee's Tier 2 prescription drugs",200,62,57,{"$nulls":6},0]
["Spouse's specialist office visits",254,{"$f":"2*55","v":110},{"$f":"2*45","v":90},{"$nulls":6},0]
["Spouse's Tier 2 prescription drugs",200,62,57,{"$nulls":6},0]
["Daughter's Tier 1 prescription drugs",66,{"$f":"2*18","v":36},{"$f":"2*14","v":28},{"$nulls":6},0]
["Daughter's office visit",127,35,25,{"$nulls":6},0]
["Total out-of-pocket expenses",{"$f":"+SUM(B203:B210)","v":1174},{"$f":"+SUM(C203:C210)","v":448},{"$f":"+SUM(D203:D210)","v":366},{"$nulls":6},0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},0]
["Employee net cost",{"$f":"+B211+B213-B212","v":674},{"$f":"+C211+C213","v":448},{"$f":"+D211+D213","v":366},{"$nulls":6},0]
[{"$nulls":10},0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B202:D202,MATCH(MIN(B214:D214),B214:D214,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Premier Plan."},{"$nulls":9},0]
[{"$nulls":10},0]
[{"$nulls":10},0]
["Employee and Family - High Health Care Needs",{"$nulls":9},0]
[{"$nulls":10},0]
["Daughter's Expenses",{"$nulls":9},0]
["• 1 outpatient surgery: $3,154",{"$nulls":9},0]
["• 2 Tier-2 antibiotics: $780",{"$nulls":9},0]
["• 1 doctor’s office visit: $127",{"$nulls":9},0]
[{"$nulls":10},0]
["Son's Expenses",{"$nulls":9},0]
["• 1 urgent care visit: $155",{"$nulls":9},0]
["• 1 Tier-1 antibiotic: $33",{"$nulls":9},0]
["• 4 preventive doctor’s office visits: $688 ($0 member cost in-network, since in-network preventive visits are covered at 100%)",{"$nulls":9},0]
[{"$nulls":10},0]
["Your Annual Costs",{"$nulls":9},0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",{"$nulls":6},0]
["Preventive visits for each family member",0,0,0,{"$nulls":6},0]
["Daughter's outpatient surgery",{"$f":"2800+(3154-2800)*0.1","v":2835.4},{"$f":"ROUNDDOWN(150+1250+(3154-1250-150)*0.25,0)","v":1838},{"$f":"75+700+(3154-700-75)*0.2","v":1250.8},{"$nulls":6},0]
["Daughter's Tier 2 prescription drugs",{"$f":"780*0.1","v":78},{"$f":"62*2","v":124},{"$f":"2*57","v":114},{"$nulls":6},0]
["Daughter's office visit",{"$f":"127*0.1","v":12.700000000000001},35,25,{"$nulls":6},0]
["Son's urgent care visit",155,55,50,{"$nulls":6},0]
["Son's Tier 1 prescription drugs",33,18,14,{"$nulls":6},0]
["Total out-of-pocket expenses",{"$f":"+SUM(B233:B238)","v":3114.1},{"$f":"+SUM(C233:C238)","v":2070},{"$f":"+SUM(D233:D238)","v":1453.8},{"$nulls":6},0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",500,1000)","v":500},"N/A","N/A",{"$nulls":6},0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":0},{"$f":"+$B$17*12","v":0},{"$f":"+$B$18*12","v":0},{"$nulls":6},0]
["Employee net cost",{"$f":"+B239+B241-B240","v":2614.1},{"$f":"+C239+C241","v":2070},{"$f":"+D239+D241","v":1453.8},{"$nulls":6},0]
[{"$nulls":10},0]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B232:D232,MATCH(MIN(B242:D242),B242:D242,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Premier Plan."},{"$nulls":9},0]
[{"$nulls":10},0]

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[]
[null,"For HSA",null,"Activate Macro?"]
[null,"Employee Only",null,"Y"]
[null,"Employee & Spouse",null,"N"]
[null,"Employee & Child(ren)"]
[null,"Employee & Family"]
[]
[]
[]
[]
[null,"Password:","SegalUAS2021"]