Winning with an HSA. Save & win. empowering you to build health savings. Health Savings Accounts (HSAs)

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1 Winning with an HSA Health Savings Accounts (HSAs) Save & win empowering you to build health savings 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 Why HSAs? HSAs are an easy way to win in today s complex health care system HSAs empower health savings As an HSA user, you save in several ways: Significantly lower monthly health insurance premiums HSA contributions are not taxed You earn tax-free interest on HSA balances HSA funds used for qualified medical expenses are not taxed Saving for the future: HSA funds roll over from year to year With an HSA, you own the account and all contributions. Unlike flexible spending accounts (FSAs), balances in an HSA roll over each year and remain available for qualified expenses even if you change health plans, retire or leave the company. You don t have to change doctors Your HSA-powered health plan typically gives you access to the same* in-network doctors as a traditional plan offered by the same carrier. If your desired physician is not in-network, you can still use tax-free HSA dollars to pay for qualified expenses. 2 Keep your lifestyle HSAs don t require you to change the way you use health care. Regardless of how you consume medical services, an HSA will empower you to maximize savings while building a reserve for the future. *Health plan s in-network providers may vary.

3 We ll take you there. How an HSA works: Member Services Salt Lake City, Utah An HSA paired with an HSA-powered health plan allows you to make pre-tax contributions to an FDIC-insured savings account. Balances earn tax-free interest and can be used to pay for qualified medical expenses. HSA-powered health plans cost much less than traditional plans and the money saved can be deposited into your HSA. Our expert friends are available to help you every hour of every day Our team of specialists based in Salt Lake City are available 24 hours a day, providing you with expert insight to help you optimize your health savings account. We are here to help you every step along the way. 3

4 Who are you? HSAs win vs. traditional plans. Here are some specific examples of how an HSA results in 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 4 Saver 25% savings * *Based on actual scenarios. Results may vary.

5 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. 5

6 6 Getting Started We ll take you there. We make the process of an HSA easy and we are available to assist every step along the way. To get started, simply: Enroll in an HSA-powered health plan through your employer. We ll work with Regence to automatically set up your HSA and supply you with a HealthEquity Visa Health Account debit card to conveniently pay for eligible medical expenses. Elect to make contributions to your HSA Many employers offer paycheck deductions. You can also transfer funds from an existing HSA or make an electronic deposit. Maximize your savings To take full advantage of tax savings and to build a reserve for the future, we encourage you to maximize your HSA contributions, according to IRS regulations: 2013 individual contribution limit: $3, family contribution limit: $6,450 This card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC. Copyright 2013 HealthEquity, Inc. All rights reserved. HealthEquity, the HealthEquity logo, and Building Health Savings are service marks of HealthEquity, Inc.

7 Let s go! { Learn more at: Start saving today! Take advantage of the many benefits offered by owning an HSA. We re available to answer any of your questions and provide helpful insight: (available every hour of every day) 7

8 15 West Scenic Pointe Drive, Suite 100 Draper, UT Winning_With_An_HSA_EE_RegenceWA June 2013