Winning with HSAs. Building Health SavingsSM THE POWERFUL AND. Integrated Health Savings Accounts

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1 Winning with HSAs Integrated Health Savings Accounts Building Health SavingsSM THE POWERFUL AND EASY HSA solution HealthEquity is an independent HSA company that does not provide Regence products or services. It is soley responsible for the services described. Regence services select counties in Washington.

2 Table of Contents Why HSAs 4 How you win with HSAs 5 Our advantage 6 Expert friends 7 Personas 8 Timeline 10 2

3 A simpler approach to consumer-directed health care Your health plan and HealthEquity together deliver a fully integrated approach to consumer-directed health care that combines the industry-leading Health Savings Account (HSA) solution with your customized health plan. It s a solution with easy enrollment, less paperwork, and hassle-free claims. It also means simplified account management; online tools, resources and education; plus the dedicated service and support that {distinguishes our offerings. We ll take you there. 15 West Scenic Pointe Drive, Suite 100 Draper, UT info@healthequity.com 3

4 Why HSAs? HSAs empower health savings By offering an HSA-powered health plan, you enable employees to make savvy financial decisions and save for future health care expenses. Maximize benefits offerings With today s low employee retention rates, attractive benefit packages are essential to securing key talent. An HSA-powered health plan, supplemented with employer HSA contributions, maximizes benefits offerings while maintaining cost control. The sure win with health care reform HSA-powered plans are the most effective way to ensure compliance with the Patient Protection and Affordable Care Act (PPACA) and avoid expensive Cadillac tax penalities. HSA funds roll over from year to year Unlike flexible spending accounts (FSAs), funds deposited into an HSA roll over each year and remain available for qualified health care expenses even if an employee changes health plans, retires or leaves a company. 4 How an HSA works: A health savings account, paired with an HSA-qualified health plan, allows you to make pre-tax contributions to an FDIC-insured account that can be used to pay for qualified medical expenses. Balances earn tax-free interest and roll over from year to year. HSA-powered health plans cost much less than traditional plans and the money saved can be deposited into an HSA for immediate use or long-term savings.

5 HOW you win with an hsa Employer HSA contributions qualify as a tax deduction for the employer Employee HSA deposits are not taxed and reduce the taxable income of users HSA withdrawals used for qualified health care expenses are not taxed 166% Increase in HSAs from 2009 to 2012* $15. 4 B HSA deposits earn tax-free interest HSA funds are FDIC-insured HSA deposits in the US as of January 2013* HSA funds can be used post-retirement (after age 65) for medical and non-medical expenses without penalty, much like an IRA Are you prepared? Learn more about how HSAs are a sure win with health care reform. Download our FREE white paper at: 60% of employers likely face excise Cadillac taxes in 2018 HSA-powered plans alleviate this concern *Source: 2012 Devenir HSA Research Report. January 29,

6 6 Our Advantage We ll take you there. As the most experienced provider of integrated HSA products, HealthEquity offers a unique customer experience that is powerful and easy. As your partner, we deliver: Flawless execution Complete data integration between HealthEquity and your health plan enables flawless execution before, during and after enrollment Simple, elegant solutions Intuitive online administration tools designed specifically for consumer-driven health care Powerful resources Dedicated support and education for partners through our employer support team, employer web portal, and other tailored tools Convenience Employers and members benefit from proprietary web capabilities featuring online payments and integrated claims data Expert friends We provide a unique customer experience delivered by a knowledgeable team that offers expert advice and insight to maximize savings Compelling insight We understand health care consumers and speak effectively to their values and experiences. Our tailored communications provide a clear, positive message that engages employees and inspires greater adoption

7 Expert friends Marcy, Member Services Salt Lake City, Utah Helpful support for our members, available every hour of every day Marcy and her team of specialists based in Salt Lake City are available 24 hours a day, providing members with the tools and information they need to optimize their Health Savings Accounts. 7

8 HSAs win vs. traditional plans Regardless of how you consume health care, an HSA will empower you to maximize savings while building a reserve for future medical expenses. Here are some specific examples of how an HSA grants savings for common lifestyles. SHOPPER: High medical utilizer Hits out-of-pocket maximum with traditional health plan Shopper How a Shopper wins: Significantly lower monthly premiums No copays on top of out-of-pocket expenses Out-of-pocket expenses are paid with tax-free HSA funds 25% savings * SAVER: Financially savvy Optimizes account savings How a Saver wins: Another avenue for investing tax-free Significantly lower monthly premiums Out-of-pocket expenses are paid with tax-free HSA funds 8 Saver 25% savings * *Based on actual scenarios. Results may vary.

9 Who are you? Minimalist Survivor SURVIVOR: One or more chronic conditions Hits out-of-pocket maximum with traditional health plan How a Survivor wins: Prescription out-of-pocket expenses are capped, no copays Significantly lower monthly premiums No copays on top of out-of-pocket expenses Out-of-pocket expenses are paid with tax-free HSA funds 20% * savings MINIMALIST: Low medical utilizer Desires flexibility and minimum monthly premium How a Minimalist wins: Significantly lower monthly premiums Out-of-pocket expenses are paid with tax-free HSA funds 55% * savings *Based on actual scenarios. Results may vary. 9

10 Timeline 1. Preparation 2. Integration Select an HSA-powered plan offered by your health plan Review timeline Group setup, employee enrollment Your health plan sends group eligibility to HealthEquity We ll take you there. 3. Go Live HealthEquity creates employer portal HealthEquity opens HSAs Our streamlined process makes implementing HSAs easy for employers. With powerful technology and an expert implementation team, we ensure a flawless launch, with three easy phases: Preparation integration go live Employer receives welcome communication Employees receive welcome materials 10

11 Offer the HealthEquity advantage today. Empower your employees to maximize health savings by offering our powerful and easy HSA solution. To get started, talk to your health plan representative, or contact HealthEquity at: Let s go! { 11

12 15 West Scenic Pointe Drive, Suite 100 Draper, UT Winning_With_HSAs_ER_RegenceWA June 2013