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{Company name}Winning with HSAs
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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
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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 change
jobs 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
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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
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Comparing Plan Types
- Larger monthly premiumpaid to insurance company
- Lower deductible
Traditional health plan vs. HSA-powered health plan
- Lower monthly premium- Higher deductible
- Money into savings account
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How an HSA works
Employee and/or employer
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$
Qualified medical expenses:Exams, prescriptions, procedures, vision, dental and more
Employee HSA
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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
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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
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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
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Monthly member webinars
Three-part series:1. HSA Basics2. Tips to Maximize Your HSA Savings3. Member Portal Overview
Each session taught twice each month by a trained and certified HSA expert.
www.HealthEquity.com/webinars
Helpful member support
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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
