2019 – HDHP/HSA vs POS/FSA

1. 2019 – HDHP/HSA vs POS/FSA

2. Point of Service (POS) Plan Vs Consumer Driven High Deductible Health Plan (HDHP)/HSA Plan

3. Consumer Driven (HDHP)/HSA Plan – Active Role in Decisions by Members • Higher deductible = Lower premium • Less premium but more initial claims cost, but only for care you NEED • Available Health Savings Account for tax savings on expenses, or retirement • All money in HSA is owned by the member, no “use it or lose it” rule

4. Consumer Driven (HDHP)/HSA Plan – Shifting Focus • Take more active role in healthcare buying decisions • Make healthier choices • Seek quality care • Resources available – myHealthcareCost Estimator • Annual Exam/Preventive Care – Covered 100% in network, no cost to you • Programs available – Healthy Pregnancy, 24-hour RN

5. POS/FSA Options • POS Plan offers office visit and Rx copays with no deductible • Preventive care covered at 100% • Premium deductions are higher • May have FSA but no HSA

6. 2019 HSA Info • If elected at Open Enrollment UCA automatically front loads $300 for Employee only and $600 for employees with dependents, with funds available January 1 • UCA also matches monthly contributions up to $1,200/year • HSA max for 2019 is $3,500 Individual & $7,000 Family • Catch up of $1,000 over limit for ages 55+ • No “use it or lose it” rule • Deductions are pre-tax

7. 2019 FSA Info • UCA front loads elected amount, with funds available January 1 • FSA max for 2019 is $2,700 • Annual Rollover amount is $500 of unused funds • Has “use it or lose it” rule • Available for qualified medical, dental and vision expenses • Deductions are Pre-Tax