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Is it possible to have a coverage upper limit based on the quarter the employee enrolls in for HSA?

Summary:

In case the employee has a new hire/ qualifying life event where dependents can be added or removed, the enrollment/change in tiers should calculate the upper limit based how much they have already contributed and the quarter in which the life event occurs, since the employer rates differ for each quarter. Below is the calculation that needs to be done -

HSA Employer Contribution Chart

Tier

2025 Annual Max 

Q1 

Q2 

Q3 

Q4 

EE 

$4,300  

$500  

$375  

$250  

$175  

EE +1 

$8,550  

$1,000  

$750  

$500  

$250  

Coverage Upper Limit = Tier Annual Max - Quarter wise Employer Contribution

Q1: 4300 - 500 = 3800

Q2: 4300 - 375 = 3925

Q3: 4300 - 250 = 4050

Q4: 4300 - 175 = 4125

Is there a way this can be configured or achieved?

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