It's the second most fun time of the year at our office - open
enrollment!  That wonderful time when we get to tell all of the
employees we service what their new health and dental insurance rates
are going to be.

The boss has asked me to build a "cost calculator" that will let a
person enter their specifics (# prescriptions/tier, # office visits,
specialist, Urgent Care, ER, etc) and it has to spit out a final
estimate of what is going to be spent in a year.

I'm hitting an odd wall though.  For one kind of plan (the
"traditional HMO") the calculations are relatively easy.
Unfortunately we also have a "hybrid" plan that is a mix of
traditional, co-insurance and deductible as well as a "high
deductible" plan.

Has anyone tackled something like this before?  Have any wisdom,
suggestions, apolitical snide remarks?

Thanks!
Hatton

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