Assign on Enrollment unchecked?

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What does this option do in rates?

I am looking for a way to enter a rate once the enrollment certificate is returned by the insurance carrier.  Rates will differ by many factors and client does NOT want to set up a matrix of rates for the few enrollments in this optional insurance.  

Ideally worker will choose the benefit plan and option, Benefits will provide Insurance carrier with basics on person/dependents.  Once sorted, Carrier will provide client with enrollment certificates and rate for each worker.  This is when the rate and coverage start.  

Thank you!