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Former Member

How to configure HSA plan with HDHP

I need to configure a new high deductible medical plan with an HSA plan.

I configured the medical plan for 4 coverage levels (tiers).

I started to confiture the HSA plan but am stumped. I set it up under Savings (IT0169).

  • The maximum Employee contribution for Employee only coverage in the medical plan is $2000.

  • The maximum Employee contribution for all other coverage levels in the medical plan is $5000.

  • The maximum Employer contribution for Employee only coverage in the medical plan is $400.

  • The maximum Employer contribution for all other coverage levels in the medical plan is $800.

I created 2 cost variants in the HSA plan, one for EE only coverage contributions and one for all other coverage levels.

I created a corequisite on the HSA plan for the high deductible medical plan.

How or where do I link the 2 HSA cost variants to the coverage levels in the medical plan?

I'm missing something, but I don't know what it is. Any help or direction from anyone who has a similar setup will be greatly appreciated. I need to have this config completed and tested prior to 10/15/2010.

Thank you.

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  • Best Answer
    author's profile photo Former Member
    Former Member
    Posted on Oct 01, 2010 at 02:10 PM

    Check out SAP Note 930319 - BEN: Savings - HSA Legal Requirement. Hope this will help you.

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    • Former Member

      Thank you, Kanal. The configuration document was helpful. It got me further along than I was and we're in production now with the only issue being that I can't get the 2011 election to delimit on 12/31/2011.

  • Posted on Oct 01, 2010 at 04:00 PM

    We just implemented High Deductible and HSA Plan. As per my understanding HSA plan should not have any cost variant right?

    Its savings plan (like 401k), then how can it have a cost variant?

    You could have cost variant that goes with Hight Deductibel plan and not for HSA Plan.

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  • author's profile photo Former Member
    Former Member
    Posted on Oct 22, 2010 at 11:36 PM

    Bev, Could you complete your configuration successfully? Even I need some help on this.

    regards,

    Vishal.

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  • author's profile photo Former Member
    Former Member
    Posted on Feb 14, 2012 at 02:58 PM

    Hello,

    I know this is an old posting regarding HSA and creating multiple varients, but our company is now impliementing a HDHP w/ HSA plan and have run into the same trouble posted Sept 2010.

    It sounded like it was figured out and was hoping that someone could help me with our issue.

    I have created a HDHP and a HSAP - - each with two variants.......EE and EE+F:

    The emp only (EE) variant = emp max contrib is $ 3100 with a one time ER contrib of $ 400

    The emp/family (EE+F) variant = emp max contrib is $ 6250 with a one time ER contrib of $ 800

    Now, when I get to mapping the HSAP plan with the variant, there is only room for one variant for EE and ER.

    How do I get the one HSA plan to reflect our requirements for different amounts depending EE or EE+F ?

    How do I have our system process the correct ER contribution amounts, and only one time at the beginning of the year?

    I would appreciate any input on this issue, and any other helpful hints regarding the set up of the HSA process.

    I look forward to hearing something really soon, as this process is needed.

    Thank you,

    Carey

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    • Former Member

      Hi Carey,

      It seems you have most recently worked to set up a new HSA plan. Were you able to map multiple employee contribution variants back to the plan? We use the Enrollment transacation HRBEN0001 to enroll. We don't want employees to be able to select over the maximum allowed for their situation (single vs. family). We realize that the contribution limits in T511P will prevent the employee from going over the maximum, but we wanted those limits out there so that the uninformed employee will not expect differently.

      If you were not able to map multiple EE contrib variants, how did you set you plan up? We are considering setting up two separate plans (singe and family) so that we can set those limits.

      Any words of wisdom would be greatly appreciated.

      Thank you,

      Debra

  • author's profile photo Former Member
    Former Member
    Posted on Jun 27, 2016 at 04:14 PM

    Hello,

    I am facing a similar problem regarding the H.S.A configuration like Carey in her question from Feb 2012. Any guidance will be appreciated.

    We plan to offer H.S.A to employees who elect the HDHP plan. If the employee selects EE only coverage on the HDHP plan, then he is eligible for H.S.A with the EE only contribution limits. If he selects anything other than EE only, then he is eligible for H.S.A with the Family contribution limits.

    So when we get to the H.S.A config, we have the EE only contribution variant and the EE+ Family contribution variant. Each variant has their own contribution limits. The issue is that I can only map one EE variant and Employer variant to the H.S.A plan at a time. How do I go about mapping both the EE only and Family variants to the same plan? Would we need to create two separate plans? One plan for the EE only contribution and one plan for the Family contribution?

    Another question is that if we go with 2 plans, the offer on HRBEN0001 would show both the EE only and Family H.S.A Plans irrespective of what dependent coverage was selected on the HDHP plan. For example, if they select EE only coverage on the HDHP medical plan, they should only be able to elect the H.S.A EE only plan. How do we control what H.S.A plan the employee can elect?

    Thank you.

    Sharon.

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    • Former Member

      Hi Sharon, if you don't have different ER contributions amounts per coverage tier, I think you can just create one plan and rely on the limits in T511P. With this approach you can configure one EE contribution variant leaving the maximum blank in the contribution rule. Then use KONST HSASL (HSA limit Self Only Coverage) and HSAFL (HSA Limit Family Coverage) in table T511P to prevent the employee from contributing more than the limit based on their medical plan coverage tier. We switched our method a few years ago but I seem to recall that HRBEN0001 would not allow a contribution amount over the T511P limit to be selected but definitely test that because my memory can be a little unreliable 😉. Hope this is what you're looking for.

      Take care!

      Debra Win'e

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