How does ALEX calculate the worst-case scenario?
Edited
The worst-case scenario is the most a user will pay in any given year. The formula to get to it is:
Annual Premium (+/- surcharges/incentives)
+ Medical Out-of-Pocket Maximum
+ Rx Out-of-Pocket Maximum (if separate)
- Employer Healthfund Contributions + incentives
= Worst-case scenario
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