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{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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Company name winning with hsas

{Company Name}Winning with HSAs


Why offer 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

    Learn more at www.healthequity.com/reform


A win for employees

A win for employees

HSAs add value:

  • Employee HSA deposits are not taxed and reduce the taxable income of users

  • HSA withdrawals used for qualified health care expenses are not taxed

  • HSA deposits earn tax-free interest

  • HSA funds are FDIC-insured

  • HSA funds can be used post-retirement (after age 65) for medical and non-medical expenses without penalty, much like an IRA


Who qualifies for an hsa

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


How an hsa works

How an HSA works

Traditional health plan vs. HSA-powered plan

  • Lower monthly premium

  • Higher deductible

  • Larger monthly premiumpaid to insurance company

  • Lower deductible

  • Money into savings account


How an hsa works1

How an HSA works

Employee and/or employer

$

Employee HSA

$

Qualified medical expenses:

Exams, prescriptions, procedures, vision, dentaland more


Maximize your savings

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


  • Powerful tools

    Powerful tools

    • Members can use their portal to

      • Check their balance

      • Review transactions

      • Review claims

      • Submit new claims or documents

      • Send payments and reimbursements

      • Access tax documents

    • Convenient access

      • Online

      • Using our free mobile app

      • By telephone


    Communicating with employees

    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


    Monthly member webinars

    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


    Helpful member support

    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

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