Our company offers 2 different health insurance options (Traditional and HDHP).  We also have provisions if the employee or spouse are a smoker, as well as a provision for working spouse.  We currently use the User Defined field under the benefit code to calculate spouse smoker and working spouse provision.  The employee smoker field pulls from the demographics page.

Our question is, how should we set up the rate table to allow employees to select these provisions during open enrollment in Employee Self Service?  Since we currently use the user defined fields for these provisions, it results in needing 32 plan groups for employees to choose from during open enrollment.  We don't think this is the most efficient way to do it, and we are hoping to hear feedback from other companies with a similar setup!