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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

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

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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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How an HSA works

- Larger monthly premiumpaid to insurance company

- Lower deductible

Traditional health plan vs. HSA-powered plan

- Lower monthly premium- Higher deductible

- Money into savings account

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How an HSA works

Employee and/or employer

$

$

Qualified medical expenses:Exams, prescriptions, procedures, vision, dental and more

Employee HSA

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Maximize your savings

2015 max contributions allowed by IRS: • Single-coverage: $3,350

• Family-coverage: $6,650

• 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

• 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

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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