{"text_format":"1","workbook":"xlsx","n_sheets":2,"sheets":["Estimated Costs","Lists"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":1,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Estimated Costs","index":0,"n_rows":254,"n_cols":16,"rows_kept":254,"cut":false,"hidden":false,"merged":[[2,0,3,3],[137,0,137,3],[169,0,169,3],[238,0,238,3],[32,0,32,3],[204,0,204,3],[109,0,109,3],[53,0,53,3],[82,0,82,3]]}
["University of Arkansas System Health Benefits Calculator for 2026 Plan Year"]
["Disclaimer:",null,null,null,null,null,null,null,null,"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:",null,null,null,null," "]
["Health Savings Plan",80,null,null,null,null,null,null,null,null,"Activate Macro?","Y"]
["Classic Plan",100]
["Premier Plan",120]
[]
["You will see how total health care costs compare among each of the medical plan options in two different claim scenarios:"]
["• A \"Low Health Care Needs\" scenario"]
["• A \"High Health Care Needs\" scenario"]
[]
["Output:",null,null,null,null,null,null,null,null,null,null,null,null,"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.",null,null,null,null,null," "]
[]
["Employee Only - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee Only\",$L$16=\"N\"),1,0)","v":1}]
[null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$C$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $224 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 diagnostic doctor’s office visit: \"&TEXT(Lists!$C$20,\"$0\")","v":"• 1 diagnostic doctor’s office visit: $165"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 Tier-2 antibiotic: \"&TEXT(Lists!$C$30,\"$0\")","v":"• 1 Tier-2 antibiotic: $227"},null,null,null,null,null,null,null," ",null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Your Annual Costs",null,null,null,null,null,null,null," ",null,1]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,1]
["Preventive visit",0,0,0,null,null,null,null,null,null,1]
["Office visit",{"$f":"+Lists!$C$20","v":165},{"$f":"O46","v":40},{"$f":"P46","v":30},null,null,null,null,null,null,1,"Plan Design Comparison: G:\\Pricing & Modeling\\12672 - University of Arkansas\\Plan Designs"]
["Tier-2 prescription drugs",{"$f":"+Lists!$C$30","v":227},{"$f":"O53","v":62},{"$f":"P53","v":57},null,null,null,null,null,null,1]
["Total out-of-pocket expenses",{"$f":"+SUM(B35:B37)","v":392},{"$f":"+SUM(C35:C37)","v":102},{"$f":"+SUM(D35:D37)","v":87},null,null,null,null,null,null,1,"2026 Plan Designs"]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,1,null,null,"Health Savings Plan","Classic Plan","Premier Plan"]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee Only\",$L$16=\"N\"),1,0)","v":1},"Medical"]
["Employee net cost",{"$f":"+B38+B40-B39","v":702},{"$f":"+C38+C40","v":1302},{"$f":"+D38+D40","v":1527},null,null,null,null,null,null,1,"Deductible","Single",3400,1400,850]
[null,null,null,null,null,null,null,null,null,null,1,null,"Family",6000,2800,1700]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B34:D34,MATCH(MIN(B41:D41),B41:D41,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,1,"Coinsurance",null,0.1,0.25,0.2]
[null,null,null,null,null,null,null,null,null,null,1,"Out-of-Pocket\nMaximum","Single",6750,5300,3250]
[null,null,null,null,null,null,null,null,null,null,1,null,"Family",13300,10600,6500]
["Employee Only - High Health Care Needs",null,null,null,null,null,null,null,null,null,1,"PCP Office Visit",null,{"$f":"N43","v":0.1},40,30]
[null,null,null,null,null,null,null,null,null,null,1,"Specialist Office Visit",null,{"$f":"N43","v":0.1},60,50]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$C$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $224 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 emergency room visit: \"&TEXT(Lists!$C$21,\"$0,000\")","v":"• 1 emergency room visit: $1,601"},null,null,null,null,null,null,null,null,null,1,"Prescription Drug",null,"Health Savings Plan","Classic Plan","Premier Plan"]
[{"$f":"\"• 3 days in the hospital: \"&TEXT(Lists!$C$22*3,\"$0,000\")","v":"• 3 days in the hospital: $10,593"},null,null,null,null,null,null,null,null,null,1,"Out-of-Pocket\nMaximum","Single","Combined with Medical",1800,1800]
[{"$f":"\"• 6 specialist doctor’s office visits: \"&TEXT(Lists!$C$23*6,\"$000\")","v":"• 6 specialist doctor’s office visits: $990"},null,null,null,null,null,null,null,null,null,1,null,"Family","Combined with Medical",3600,3600]
[{"$f":"\"• 2 Tier-2 antibiotics: \"&TEXT(Lists!$C$30*2,\"$0\")","v":"• 2 Tier-2 antibiotics: $454"},null,null,null,null,null,null,null,null,null,1,"Tier 1 Drug",null,0.1,18,14]
[null,null,null,null,null,null,null,null,null,null,1,"Tier 2 Drug",null,0.1,62,57]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,1,"Tier 3 Drug",null,0.1,97,92]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,1]
["Preventive visit",0,0,0,null,null,null,null,null,null,1,"Hospical Inpatient Services","Copay, then coinsurance",0.1,300,300]
["Emergency room visit (admitted)",{"$f":"+Lists!$C$21","v":1601},0,0,null,null,null,null,null,null,1,"Outpatient Diagnostic Testing and Surgical Services","Copay, then coinsurance",0.1,160,80]
["Hospital stay",{"$f":"+(N41-B57)+(Lists!$C$22*3-(N41-B57))*N43","v":2678.4},{"$f":"O56+O41+(Lists!$C$22*3-O56-O41)*O43","v":3923.25},{"$f":"P56+P41+(Lists!$C$22*3-P56-P41)*P43","v":3038.6000000000004},null,null,null,null,null,null,1]
["Specialist office visits",{"$f":"Lists!C23*6*N47","v":99},{"$f":"6*O47","v":360},{"$f":"6*P47","v":300},null,null,null,null,null,null,1,"HSA Contribution","Single",650]
["Tier-2 prescriptions drugs",{"$f":"Lists!C30*N53*2","v":45.400000000000006},{"$f":"O53*2","v":124},{"$f":"P53*2","v":114},null,null,null,null,null,null,1,"HSA Contribution","Family",1200]
["Total out-of-pocket expenses",{"$f":"+SUM(B56:B60)","v":4423.7999999999993},{"$f":"+SUM(C56:C60)","v":4407.25},{"$f":"+SUM(D56:D60)","v":3452.6000000000004},null,null,null,null,null,null,1]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,1]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,1,"https://benefits.uasys.edu/uaf/health/health-savings-account"]
["Employee net cost",{"$f":"+B61+B63-B62","v":4733.7999999999993},{"$f":"+C61+C63","v":5607.25},{"$f":"+D61+D63","v":4892.6000000000004},null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B55:D55,MATCH(MIN(B64:D64),B64:D64,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Employee and Spouse - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$L$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 12 Tier 1 drugs: \"&TEXT(Lists!$C$29*12,\"$0\")","v":"• 12 Tier 1 drugs: $600"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$C$20*2,\"$0\")","v":"• 2 doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$C$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$C$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $224 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier 1 drugs: \"&TEXT(Lists!$C$29*6,\"$0\")","v":"• 6 Tier 1 drugs: $300"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$C$20*2,\"$0\")","v":"• 2 doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier-2 drugs: \"&TEXT(Lists!$C$30*2,\"$0\")","v":"• 2 Tier-2 drugs: $454"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$C$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $224 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!C29*12","v":600},{"$f":"12*O52","v":216},{"$f":"12*P52","v":168},null,null,null,null,null,null,0]
["Employee's office visits",{"$f":"+Lists!C20*2","v":330},{"$f":"2*O46","v":80},{"$f":"2*P46","v":60},null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!C23*2","v":330},{"$f":"2*O47","v":120},{"$f":"2*P47","v":100},null,null,null,null,null,null,0]
["Spouse's Tier 1 prescription drugs",{"$f":"+Lists!C29*6","v":300},{"$f":"6*O52","v":108},{"$f":"6*P52","v":84},null,null,null,null,null,null,0]
["Spouse's office visits",{"$f":"+Lists!C20*2","v":330},{"$f":"2*O46","v":80},{"$f":"2*P46","v":60},null,null,null,null,null,null,0]
["Spouse's Tier 2 prescription drugs",{"$f":"+Lists!C30*2","v":454},{"$f":"2*O53","v":124},{"$f":"2*P53","v":114},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B85:B91)","v":2344},{"$f":"+SUM(C85:C91)","v":728},{"$f":"+SUM(D85:D91)","v":586},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B92+B94-B93","v":2654},{"$f":"+C92+C94","v":1928},{"$f":"+D92+D94","v":2026},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B84:D84,MATCH(MIN(B95:D95),B95:D95,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Spouse - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 ambulance: \"&TEXT(Lists!$C$24,\"$0,000\")","v":"• 1 ambulance: $1,350"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 emergency room visit: \"&TEXT(Lists!$C$21,\"$0,000\")","v":"• 1 emergency room visit: $1,601"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 days in the hospital: \"&TEXT(Lists!$C$22*4,\"$0,000\")","v":"• 4 days in the hospital: $14,124"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 Tier 3 medication: \"&TEXT(Lists!$C$31*3,\"$0,000\")","v":"• 3 Tier 3 medication: $6,828"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 specialist doctor’s office visits: \"&TEXT(Lists!$C$23*3,\"$0\")","v":"• 3 specialist doctor’s office visits: $495"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 14 physical therapy visits: \"&TEXT(Lists!$C$25*14,\"$0,000\")","v":"• 14 physical therapy visits: $4,340"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Spouse's ambulance",{"$f":"+Lists!C24","v":1350},0,0,null,null,null,null,null,null,0]
["Spouse's emergency room visit (admitted)",{"$f":"+Lists!C21","v":1601},0,0,null,null,null,null,null,null,0]
["Spouse's hospital stay",{"$f":"+(N41-B113-B112)+(Lists!C22*4-(N41-B113-B112))*N43","v":1816.5},{"$f":"MIN(O56+O41+(Lists!$C$22*4-O56-O41)*O43,O44)","v":4806},{"$f":"MIN(P56+P41+(Lists!$C$22*4-P56-P41)*P43,P44)","v":3250},null,null,null,null,null,null,0]
["Spouse's Tier 3 prescription drugs",{"$f":"Lists!C31*N54*3","v":682.80000000000007},{"$f":"O54*3","v":291},{"$f":"P54*3","v":276},null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"Lists!C23*3*N47","v":49.5},{"$f":"MIN(3*O47,MAX(0,O44-C114))","v":180},{"$f":"MIN(3*P47,MAX(0,P44-D114))","v":0},null,null,null,null,null,null,0]
["Spouse's physical therapy visits",{"$f":"Lists!C25*14*N43","v":434},{"$f":"MIN(O47+(Lists!$C$25*14-O47)*O43,MAX(O44-C116-C114-C113-C112,0))","v":314},{"$f":"MIN(P47+(Lists!$C$25*14-P47)*P43,MAX(P44-D116-D114-D113-D112,0))","v":0},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B112:B117)","v":5933.8},{"$f":"+SUM(C112:C117)","v":5591},{"$f":"+SUM(D112:D117)","v":3526},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B118+B120-B119","v":6243.8},{"$f":"+C118+C120","v":6791},{"$f":"+D118+D120","v":4966},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B111:D111,MATCH(MIN(B121:D121),B121:D121,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Premier Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Child - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$L$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$C$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $224 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$C$20,\"$0\")","v":"• 1 doctor’s office visit: $165"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier 1 drugs: \"&TEXT(Lists!$C$29*2,\"$0\")","v":"• 2 Tier 1 drugs: $100"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Child's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$C$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $224 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier-2 drug: \"&TEXT(Lists!$C$30,\"$0\")","v":"• 1 Tier-2 drug: $227"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$C$20*2,\"$0\")","v":"• 2 doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!C20","v":165},{"$f":"O46","v":40},{"$f":"P46","v":30},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!C29*2","v":100},{"$f":"2*O52","v":36},{"$f":"2*P52","v":28},null,null,null,null,null,null,0]
["Child's office visits",{"$f":"+Lists!C20*2","v":330},{"$f":"2*O46","v":80},{"$f":"2*P46","v":60},null,null,null,null,null,null,0]
["Child's Tier 2 prescription drugs",{"$f":"+Lists!C30","v":227},{"$f":"O53","v":62},{"$f":"P53","v":57},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B140:B144)","v":822},{"$f":"+SUM(C140:C144)","v":218},{"$f":"+SUM(D140:D144)","v":175},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B145+B147-B146","v":1132},{"$f":"+C145+C147","v":1418},{"$f":"+D145+D147","v":1615},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B139:D139,MATCH(MIN(B148:D148),B148:D148,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Children - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$C$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $224 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$C$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 12 Tier 1 drugs: \"&TEXT(Lists!$C$29*12,\"$0\")","v":"• 12 Tier 1 drugs: $600"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 urgent care visit: \"&TEXT(Lists!$C$26,\"$0\")","v":"• 1 urgent care visit: $200"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier 3 medication: \"&TEXT(Lists!$C$31,\"$0,000\")","v":"• 1 Tier 3 medication: $2,276"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 days in the hospital: \"&TEXT(Lists!$C$22*4,\"$0,000\")","v":"• 4 days in the hospital: $14,124"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$C$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$C$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 Tier 1 drugs: \"&TEXT(Lists!$C$29*3,\"$0\")","v":"• 3 Tier 1 drugs: $150"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!C23*2","v":330},{"$f":"O47*2","v":120},{"$f":"P47*2","v":100},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!C29*12","v":600},{"$f":"O52*12","v":216},{"$f":"P52*12","v":168},null,null,null,null,null,null,0]
["Daughter's urgent care visit",{"$f":"+Lists!C26","v":200},{"$f":"O47","v":60},{"$f":"P47","v":50},null,null,null,null,null,null,0]
["Daughter's Tier 3 prescription drugs",{"$f":"+Lists!C31","v":2276},{"$f":"O54","v":97},{"$f":"P54","v":92},null,null,null,null,null,null,0]
["Daughter's hospital stay",{"$f":"+(N41-B175-B176)+(Lists!$C$22*4-(N41-B175-B176))*N43","v":2244},{"$f":"MIN(O56+O41+(Lists!$C$22*4-O56-O41)*O43,O44-C175)","v":4806},{"$f":"MIN(P56+P41+(Lists!$C$22*4-P56-P41)*P43,P44-D175)","v":3200},null,null,null,null,null,null,0]
["Daughter's specialist office visits",{"$f":"Lists!C23*2*N47","v":33},{"$f":"MIN(2*O47,O44-C175-C177)","v":120},{"$f":"MIN(2*P47,P44-D175-D177)","v":0},null,null,null,null,null,null,0]
["Son's specialist office visits",{"$f":"+Lists!C23*2","v":330},{"$f":"2*O47","v":120},{"$f":"2*P47","v":100},null,null,null,null,null,null,0]
["Son's Tier 1 prescription drugs",{"$f":"+Lists!C29*3","v":150},{"$f":"3*O52","v":54},{"$f":"3*P52","v":42},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B172:B180)","v":6163},{"$f":"+SUM(C172:C180)","v":5593},{"$f":"+SUM(D172:D180)","v":3752},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B181+B183-B182","v":6473},{"$f":"+C181+C183","v":6793},{"$f":"+D181+D183","v":5192},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B171:D171,MATCH(MIN(B184:D184),B184:D184,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Premier Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Family\",$L$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Family\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$C$20,\"$0\")","v":"• 1 doctor’s office visit: $165"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier 1 drugs: \"&TEXT(Lists!$C$29*6,\"$0\")","v":"• 6 Tier 1 drugs: $300"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 Tier-2 drug: \"&TEXT(Lists!$C$30*4,\"$0\")","v":"• 4 Tier-2 drug: $908"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$C$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $330"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier-2 drugs: \"&TEXT(Lists!$C$30*6,\"$0,000\")","v":"• 6 Tier-2 drugs: $1,362"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier 1 drugs: \"&TEXT(Lists!$C$29*2,\"$0\")","v":"• 2 Tier 1 drugs: $100"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$C$20,\"$0\")","v":"• 1 doctor’s office visit: $165"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 preventive doctor’s office visit: \"&TEXT(Lists!$C$19*3,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 3 preventive doctor’s office visit: $672 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!$C$20","v":165},{"$f":"O$46","v":40},{"$f":"P$46","v":30},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!$C$29*6","v":300},{"$f":"O$52*6","v":108},{"$f":"P$52*6","v":84},null,null,null,null,null,null,0]
["Employee's Tier 2 prescription drugs",{"$f":"+Lists!C30*4","v":908},{"$f":"O53*4","v":248},{"$f":"P53*4","v":228},null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"+Lists!C23*2","v":330},{"$f":"2*O47","v":120},{"$f":"2*P47","v":100},null,null,null,null,null,null,0]
["Spouse's Tier 2 prescription drugs",{"$f":"+Lists!C30*6","v":1362},{"$f":"O53*6","v":372},{"$f":"P53*6","v":342},null,null,null,null,null,null,0]
["Daughter's Tier 1 prescription drugs",{"$f":"+Lists!C29*2","v":100},{"$f":"2*O52","v":36},{"$f":"2*P52","v":28},null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"+Lists!C20","v":165},{"$f":"O46","v":40},{"$f":"P46","v":30},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B207:B214)","v":3330},{"$f":"+SUM(C207:C214)","v":964},{"$f":"+SUM(D207:D214)","v":842},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B215+B217-B216","v":3640},{"$f":"+C215+C217","v":2164},{"$f":"+D215+D217","v":2282},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B206:D206,MATCH(MIN(B218:D218),B218:D218,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$C$20,\"$0\")","v":"• 1 doctor’s office visit: $165"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 12 Tier 1 drugs: \"&TEXT(Lists!$C$29*12,\"$0\")","v":"• 12 Tier 1 drugs: $600"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 outpatient surgery: \"&TEXT(Lists!$C$27,\"$0,000\")","v":"• 1 outpatient surgery: $4,095"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier-2 drugs: \"&TEXT(Lists!$C$30*6,\"$0,000\")","v":"• 6 Tier-2 drugs: $1,362"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$C$20,\"$0\")","v":"• 1 doctor’s office visit: $165"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 urgent care visit: \"&TEXT(Lists!$C$26,\"$0\")","v":"• 1 urgent care visit: $200"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 12 Tier 1 drugs: \"&TEXT(Lists!$C$29*12,\"$0\")","v":"• 12 Tier 1 drugs: $600"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 preventive doctor’s office visit: \"&TEXT(Lists!$C$19*4,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 4 preventive doctor’s office visit: $896 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!$C$20","v":165},{"$f":"O$46","v":40},{"$f":"P$46","v":30},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!$C$29*12","v":600},{"$f":"O$52*12","v":216},{"$f":"P$52*12","v":168},null,null,null,null,null,null,0]
["Daughter's outpatient surgery",{"$f":"N41+(Lists!$C$27-N41)*N43","v":3469.5},{"$f":"ROUNDDOWN(O57+O41+(Lists!$C$27-O57-O41)*O43,0)","v":2193},{"$f":"ROUND(P57+P41+(Lists!$C$27-P57-P41)*P43,0)","v":1563},null,null,null,null,null,null,0]
["Daughter's Tier 2 prescription drugs",{"$f":"Lists!C30*6*N53","v":136.20000000000002},{"$f":"O53*6","v":372},{"$f":"P53*6","v":342},null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"Lists!C20*N46","v":16.5},{"$f":"O46","v":40},{"$f":"P46","v":30},null,null,null,null,null,null,0]
["Son's urgent care visit",{"$f":"+Lists!C26","v":200},{"$f":"O47","v":60},{"$f":"P47","v":50},null,null,null,null,null,null,0]
["Son's Tier 1 prescription drugs",{"$f":"+Lists!C29*12","v":600},{"$f":"O52*12","v":216},{"$f":"P52*12","v":168},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B243:B248)","v":5022.2},{"$f":"+SUM(C243:C248)","v":3097},{"$f":"+SUM(D243:D248)","v":2321},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1200},{"$f":"+$B$18*12","v":1440},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B249+B251-B250","v":5332.2},{"$f":"+C249+C251","v":4297},{"$f":"+D249+D251","v":3761},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B240:D240,MATCH(MIN(B252:D252),B252:D252,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Premier Plan."},null,null,null,null,null,null,null,null,null,0]

{"sheet":"Lists","index":1,"n_rows":31,"n_cols":14,"rows_kept":31,"cut":false,"hidden":true,"merged":[]}
[]
[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:","SegalUAS20221"]
[]
[]
[]
[]
[]
[null,null,"2026 Model"]
[null,"Costs of Services","USE Model","2023 Model","2024 Model","2025 Model","2026 Model",null,null,null,"Assumed Trend"]
[null,"Preventative Office Visit",{"$f":"INDEX(D19:I19, MATCH($C$17, $D$18:$I$18, 0))","v":224},182,{"$f":"+ROUND(D19*(1+$K19),0)","v":195},{"$f":"+ROUND(E19*(1+$K19),0)","v":209},{"$f":"+ROUND(F19*(1+$K19),0)","v":224},null,null,null,7.0000000000000007E-2]
[null,"Diagnostic Doctor Office Visit",{"$f":"INDEX(D20:I20, MATCH($C$17, $D$18:$I$18, 0))","v":165},135,{"$f":"+ROUND(D20*(1+$K20),0)","v":144},154,165,null,null,null,{"$f":"+K19","v":7.0000000000000007E-2}]
[null,"ER Visit",1601,1307,1398,1496,1601,null,null,null,{"$f":"+K20","v":7.0000000000000007E-2}]
[null,"1 Day Hospital Stay",3531,2882,3084,3300,3531,null,null,null,7.0000000000000007E-2]
[null,"Specialist Diagnostic Doctor Office Visit",165,135,144,154,165,null,null,null,7.0000000000000007E-2]
[null,"Ambulance",1350,1102,1179,1262,1350,null,null,null,7.0000000000000007E-2]
[null,"Physical Therapy Visit",310,253,271,290,310,null,null,null,7.0000000000000007E-2]
[null,"Urgent Care Visit",200,164,175,187,200,null,null,null,7.0000000000000007E-2]
[null,"Outpatient Surgery",4095,3343,3577,3827,4095,null,null,null,7.0000000000000007E-2]
[]
[null,"Tier 1 Drug",50,36,40,45,50,null,null,null,0.12,null,null,"< Trend from 7/1/24 Rate Projections Doc# 6403463"]
[null,"Tier 2 Drug",227,162,181,203,227,null,null,null,{"$f":"+K29","v":0.12}]
[null,"Tier 3 Drug",2276,1620,1814,2032,2276,null,null,null,{"$f":"+K30","v":0.12}]