Winning with an HSA

EMPOWERING you TO BUILD HEALTH SAVINGS

Health savings accounts (HSAs)

Save & win

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Why HSAs?HSAs are an easy way to win in today’s complex health care system

* HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules. ** Health plan’s in-network providers may vary.

HSAs empower health savingsAs an HSA user, you save in several ways:

• 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 yearWith an HSA, you own the account and all contributions. Unlike flexible spending accounts (FSAs), your entire HSA balance rolls over and remains available for qualified expenses even if you change health plans, retire or leave the company. Once you reach a determined account balance, you can invest your HSA funds for increased earning potential.

You don’t have to change doctorsYour HSA-qualified 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.

Keep your lifestyleRegardless of your personal medical situation, an HSA can empower you to maximize savings while building a reserve for the future. Contrary to what many may think, healthy individuals aren’t the only users who benefit from an HSA.

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Our expert friends are available to help you every hour of every dayOur team of specialists based in Salt Lake City is 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. Just call us at 866.346.5800.

How an HSA works:An HSA paired with an HSA-qualified 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-qualified health plans typically cost less than traditional plans and the money saved can be deposited into your HSA.

HealthEquity Member ServicesSalt Lake City, Utah

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SAVER:• Financially savvy• Optimizes account savings

How a Saver wins:• Another avenue for investing tax-free*• Lower monthly premiums• Out-of-pocket expenses are

paid with tax-free* HSA funds

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HSA plans win vs. traditional plans Regardless of how you consume health care, an HSA plan 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

How a Shopper wins:• Lower monthly premiums• No copays on top of

out-of-pocket expenses• Out-of-pocket expenses are

paid with tax-free* HSA fundsSHOP

PER

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* HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

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• Lower monthly premiums• No copays on top of

out-of-pocket expenses• Out-of-pocket expenses are

paid with tax-free* HSA funds

MINIMALIST:• Low medical utilizer• Desires flexibility and minimum

monthly premium

How a Minimalist wins:• Lower monthly premiums• Out-of-pocket expenses are

paid with tax-free* HSA funds

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See how you can personally benefit from an HSA: www.HealthEquity.com/Me

Who are you?

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* HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

Getting started. We make the process of an HSA easy and we are available to assist every step along the way. To get started, simply:

Many employers offer paycheck deductions. You can also transfer funds from an existing HSA or make an electronic deposit.

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:

HSA contribution limits: 2014 2015

Individual limit: $3,300 $3,350Family limit: $6,550 $6,650

At age 55, an additional $1,000 contribution is allowed annually.

Use your HSA funds to pay for qualified medical expenses, tax-free.* Or, let your balance grow and save for the future.

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Enroll in an HSA-qualified health plan through your employer.

Elect to make contributions to your HSA.

Start saving!

1 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.

HSA Eligibility

To make tax-free* deposits to an HSA, the IRS requires that:

• you are covered by an HSA-qualified health plan.

• you have no other health coverage (ie. Medicare, military health benefits, Medical FSAs).

Qualified medical expenses

Discover the many uses for your HSA dollars. For details visit:

www.HealthEquity.com/qme

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* HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

We’ll work with your health plan to automatically set up your HSA and supply you with a HealthEquity Visa® Health Account debit card1 to conveniently pay for eligible medical expenses.

Let’s go!

{Call for a personal assessment.We understand the significance of your benefits selection. Our expert friends are available every hour of every day to answer any questions you have. Our team of specialists based in Salt Lake City provides expert insight to help you maximize your savings.

866.346.5800(available every hour of every day)

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Learn more at:www.HealthEquity.com/HSAlearn

Winning_With_An_HSA_EE May 2014

NEW MOBILE APPnow available

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15 West Scenic Pointe Drive, Suite 100Draper, UT 84020

info@healthequity.comwww.HealthEquity.com