We offer the only Self Directed Insurance Trust in the world! FREEDOMCARE THE AFFORDABLE CARE ACT SOLUTION

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1 We offer the only Self Directed Insurance Trust in the world! FREEDOMCARE THE AFFORDABLE CARE ACT SOLUTION

2 FREEDOMCARE e Affordable Care Act SOLVED! FREEDOMCARE OFFERS TWO PRODUCTS TO SATISFY THE A & B TAXES FOR EMPLOYERS TO BECOME ACA COMPLIANT F C B F C +P

3 What Are the A & B Taxes Many employers still have questions about the A &BT Taxes. TAX A TAX B e A Tax is a $2,000 per employee per year penalty, which a company will pay if they fail to offer healthcare to 70% of their full time employees. e B Tax is a $3,000 per subsidized employee per year penalty, which a company will pay if they fail to offer a plan that is affordable and minimum value. FreedomCare offers you a complete solution that will solve your Affordable Care Act problems in an efficient, cost effective manner.

4 F C B FreedomCare-Basic is a Minimum Essential Coverage plan designed to meet the requirements of the Affordable Care Act. It is a minimum benefit, low utilization plan that will satisfy the employee s individual mandate at no cost to the employee. We expect 100% enrollment in FreedomCare-Basic. Companies that offer this plan will be compliant with the minimum essential coverage provisions and will not be subject to the A Tax. AUTOMATIC ENROLLMENT COMPANY FREEDOMCARE-BASIC ENROLLMENT SOLUTION ESSENTIAL REQUIREMENTS UTILIZATION BENEFIT LOW COST COST CONTROL EMPLOYEE TURN-KEY AFFORDABLE MADE EASYCOMPLIANT PROVISIONS CARE ACT PLANNING The entire process is seamless. Once you have made the commitment to utilize FreedomCare, our team of experts will go to work on your behalf. If you would like information on how FreedomCare can benefit your company, please contact us at:

5 F C +P FreedomCare+Plus meets the affordable and minimum value provisions of the Affordable Care Act, but is designed as a low enrollment plan. This plan is subject to two deductibles: one is $6,350 for medical, and the second is $6,350 for prescription*. FreedomCare+Plus has a limited enrollment period of 15 days, and a cost to the employee. All employees will be offered this plan and will need to contact our call center to enroll. The call center will explain FreedomCare+Plus and, if applicable, provide information on more affordable and benefit rich options based on the employees individual needs including: Indemnity plans, fully insured plans and insurance exchanges. Offering this plan will cover the B tax requirement. *self-insured plans that are implemented in 2014 can have two separate deductibles of $6,350 for the duration of the policy. Any self-insured plans implemented after January 1st 2015 will have one combined deductible of $6,350 for both major medical and prescription. The entire process is seamless. Once you have made the commitment to utilize FreedomCare, our team of experts will go to work on your behalf. If you would like information on how FreedomCare can benefit your company, please contact us at:

6 e Affordable Care Act SOLVED! While most businesses see The Affordable Care Act as an intrusive and costly proposition, some have found that there are hidden opportunities with in the law to keep money in your pocket. The FreedomCare team of experts has mined the data and can show you how to drive dollars to your bottom line using our 100% Affordable Care Act compliant program. FreedomCare was built by ERISA and tax experts to meet the legal requirements of The Affordable Care Act. We have combined the best elements of three time tested risk management strategies to create our unique program: OWNING A SMALL INSURANCE COMPANY: INDIVIDUAL SELF INSURANCE: USE OF A BUSINESS TRUST: + Strategy One + Strategy Two + Strategy Three Allows structural and regulatory flexibility to comply with the Affordable Care Act Self-insured health plans are regulated under federal law (ERISA) Not subject to confusing state health insurance mandates A proven method used by over 80% of large businesses Allows access to the low cost stop loss markets Under certain circumstances small insurance companies can have unique financial benefits including improved risk management, improved cash flow and certain tax advantages. Protects assets from estate taxes Excellent wealth transfer mechanism Protects assets from creditors and other claimants Controls how the beneficiary receives assets Avoids probate

7 WE OFFER THE ONLY SELF DIRECTED INSURANCE TRUST IN THE WORLD! We offer the only Self Directed Insurance Trust in the world! We have combined the best elements of individual self insurance, owning a small insurance company, and a business trust to create our unique program. A Self Directed Insurance Trust is a fusion of these proven loss control strategies. Our Self Directed Insurance Trust was created under South Dakota law specifically to comply with the mandates of The Affordable Care Act in a cost effective manner. FreedomCare acts as the core of the Self Directed Insurance Trust. When a protected cell is created, it is completely independent of all the other cells and participants. Our program is unique because each individual protected cell is also a business trust. This cell will provide protection to your newly self-insured employee benefit program. FREEDOMCARE COMPANY A COMPANY B COMPANY C COMPANY D COMPANY E $ $ $ $ $ Through this exclusive risk management facility, the Self Directed Insurance Trust, FreedomCare offers substantial risk management and financial advantages. For most employers these substantial financial advantages can pay for or heavily subsidize the FreedomCare program costs.

8 e Application Process: Upon completion of our short application and payment of the fees and deposits as shown on the quote, we will submit all the information that is needed to the state to create your Self Directed Insurance Trust. We would prefer this to be at least 30 days prior to your expected start date. Next, we will schedule an on-boarding telephone call to discuss the details about the ongoing administration and introduce you to your FreedomCare representative. i 30 $

9 e Enrollment Process: Upon receiving an updated census your employees will be automatically enrolled into FreedomCare-Basic. Any employee s who are interested in enrolling in FreedomCare+Plus will contact our call center. A highly trained representative will discuss your employee s individual and family needs, along with the pros and cons of FreedomCare+Plus. Your employee will be offered a variety of alternative products, some of which may meet their needs in a more cost effective manner. These products will include: Indemnity products, fully insured health plans, major medical plans and the products from your state exchange. FREEDOMCARE Ongoing Administration: Each month you will forward us a change report. This will let us know who you have hired and who has left. This will allow us to make sure that all enrollments are up to date. We also use this form for compliance issues relating to ERISA and COBRA notices. It also will give us the information we need to issue your monthly invoice.

10 FREEDOMCARE Who are FreedomCare s clients? F A : FreedomCare was built to meet the legal requirements of the Affordable Care Act (ACA). Our targets are those companies that the ACA deems as large employers and who have never offered insurance to their employees. Some industries that are taking advantage of FreedomCare include: Construction, Agriculture, Hospitality, Restaurants, Manufacturing, Nursing Homes, Home Health Care, Professional Employer Organizations (PEO) /Staffing Companies, Security Companies, Convenience Stores and more. What makes FreedomCare the best option? 1. FreedomCare has combined the best elements of three time tested risk management strategies to create the Affordable Care Act solution. 2. Through our exclusive risk management facility a Self Directed Insurance Trust, FreedomCare offers substantial risk management and financial advantages. For most employers these substantial financial advantages can pay for or heavily subsidize the FreedomCare program costs. 3. FreedomCare was specifically designed to meet the legal requirements of the Affordable Care Act, and offers two products that are 100% ACA compliant. What makes FreedomCare different? FreedomCare offers the only Self Directed Insurance Trust in the world! Employers that self-insure their benefits through FreedomCare gain advantages that traditional insurance cannot offer. Such advantages include: Structural and regulatory flexibility to comply with the Affordable Care Act, improved risk management, improved cash flow, and asset protection. What services does FreedomCare offer? FreedomCare is a complete solution to the Affordable Care Act. FreedomCare offers education, enrollment services, on-board training, a call center, access to a variety of alternative healthcare products, on-going administration, claims management and Self Directed Insurance Trust management. Where can I get more information on FreedomCare? Visit our website at or contact your regional FreedomCare representative by calling

11 O T : M L, ARM, P F C I C Marc has over 25 years of experience in the alternative risk industry. As President of FreedomCare, Marc is responsible for solutions relating specifically to The Affordable Care Act, tax strategies, asset protection, and estate planning. Prior to FreedomCare, Marc was responsible for global Business Development for USA Risk Group. He joined USA Risk through an acquisition of his company, Captive Insurance Solutions in Through his career, he has worked with legislators in Arizona, South Dakota, and Guam developing key captive laws and regulations. K B, Y O A, LLC An attorney of 12 years, Ms. Bromley is the author of The Obamacare Handbook and The Employer s Guide To Obamacare as well as the Founder and CEO of Your Obamacare Advisors. She has served as General Counsel for the Marco s Pizza Franchise, as the Executive Director of the National Jack-in-the-Box Franchisee Association and is currently a Trustee of California's largest Restaurant Workers Comp Self Insured Group. In addition to being a Tropical Smoothie Café Franchise Owner, the businesses Ms. Bromley has advised on the Affordable Care Act (ACA) include insurance companies, brokers, farm labor contractors, payroll companies as well as franchisees of McDonald s, Burger King, El Pollo Loco, Five Guys and Carl s Jr. Ms. Bromley s gift of simplifying complex concepts has assisted hundreds of organizations in designing and implementing individualized strategic plans for the ACA.

12 FREEDOMCARE, FREEDOMCARE BENEFITS, THE AFFORDABLE CARE ACT SOLUTION, FREEDOMCARE BASIC, FREEDOMCARE+PLUS, SELF DIRECTED INSURANCE TRUST, SDIT, A TAX, B TAX, AND ALL RESPECTIVE LOGOS ARE REGISTERED TRADEMARKS OF FREEDOMCARE BENEFITS LLC. Pierre, SD Las Vegas, NV Scottsdale, AZ