The enrollment type of employee child(ren) can create some challenges when projecting HRA costs.  While some people enrolled under employee child(ren) enrollment type may have only two members (employee and one child only) others may have three or more.  When calculating HRA costs, the Plan Designer assumes that there are three members in each employee enrolled under the employee child(ren) enrollment type since there is the potential to have three members meet a deductible if it is a family deductible equal to three times the single.

If you have census data that allows you to determine how many employees have two members vs. three or more you can use the Plan Designer to project these costs based on the number enrolled in each category.

Step 1.  Activate the enrollment type Employee Child (in addition to Employee Child(ren)

Step 2.  Enter the enrollment counts for each enrollment type.

Step 3.  Use the same premiums for both enrollment types

The Plan Designer will now calculate costs based with HRA liability based on whether there are two or three deductibles potentially reimbursed under the Medical HRA plan design.