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{Company name} Winning with HSAs

{Company name} Winning with HSAs. Why offer HSAs?. HSAs add value: HSAs empower health savings Maximize benefits offerings The sure win with health care reform 60% of employers likely to face ‘Cadillac’ taxes—not with HSA-powered plans HSA funds roll over from year to year

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{Company name} Winning with HSAs

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  1. {Company name}Winning with HSAs

  2. Why offer HSAs? HSAs add value: • HSAs empower health savings • Maximize benefits offerings • The sure win with health care reform • 60% of employers likely to face ‘Cadillac’ taxes—not with HSA-powered plans • HSA funds roll over from year to year Learn more at www.healthequity.com/reform

  3. A win for employees Easy win in today’s complex health care system: • Save now: • Lower monthly insurance premiums • HSA deposits aren’t taxed • Typically lowers income tax liability • Save for the future: • HSA funds roll over from year to year • Tax-free interest earned • You keep the money even if you changejobs or insurance plans • “Best-in-class” investment options • HSA can be used post-retirement (age 65) for non-medical with no additional penalties similar to an IRA

  4. Who qualifies for an HSA? To own an HSA, employees should: • Be covered ONLY by an HSA-qualified health plan • Other health coverage (including Medicare, a traditional health plan, or even an FSA) may disqualify them from the HSA • Not be claimed as a dependent on someone else’s tax return

  5. Comparing Plan Types Traditional health plan vs. HSA-powered health plan • Lower monthly premium • Higher deductible • Larger monthly premiumpaid to insurance company • Lower deductible • Money into savings account

  6. How an HSA works Employee and/or employer $ Employee HSA $ Qualified medical expenses: Exams, prescriptions, procedures, vision, dentaland more

  7. Maximize your savings • 2014 max contributions allowed by IRS: • Single-coverage: $3,300 • Family-coverage: $6,550 • Catch-up contribution, age 55+: $1,000 • How to fund your HSA: • Make pretax contributions through payroll deduction, online, or directly to HealthEquity • Fully fund your HSA on day one • Make contributions anytime after your HSA is open

  8. Powerful tools • Convenient access • Debit card • Online • Using our free mobile app • By telephone • Use your HealthEquity account to • Check your balance • Review transactions • Review claims • Submit new claims or documents • Send payments and reimbursements • Access tax documents

  9. Communicating with employees Keeping it simple and relevant • Personas help individuals identify ways that they could utilize an HSA personally. • HealthEquity member education site:www.healthequity.com/HSALearn

  10. Monthly member webinars • Three-part series: • HSA Basics • Tips to Maximize Your HSA Savings • Member Portal Overview • Each session taught twice each month by a trained and certified HSA expert. • www.HealthEquity.com/webinars

  11. Helpful member support • Always availableOur member services are taking calls 24 hours a day, every day of the year • Every step along the wayWe are here to answer any questions you have and help you maximize your savings • Call todayLet us conduct a personal assessment of your plan options • 866.346.5800 www.HealthEquity.com 11

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