I took the original formula which I did not create and modified last year. It worked until I changed the calculation for the age. We found that our old calculation created a problem because it was not calculating correctly if the age was within the first 14 days of the month of the dated census. We actually hide the all of the rows so the blank space on the left isn't visible however if the formula would work better using tabs I will do that. For the "waive", correct if there is no $ amount in the current cell there should not be a calculation under BCBS, Medica, HealthPartners or PreferredOne. Thank you so much for your help!