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7/30/2019 HSA Government Review - 2009
1/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >
]+_+ Jeymrkamkp Hdjh
_oheec Nssmssamkp
Rmydmz
7/30/2019 HSA Government Review - 2009
2/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 2
@mnr Vnrmkp nk`%er _p}`mkp#
Ncc sp}`mkps bmjdkkdkj hdjh soheec nipmr 2660 nrm rm~}drm` pe pnlm nk` vnss phm spnpm!ank`npm`]+_+ Jeymrkamkp Hdjh _oheec Nssmssamkp dk er`mr pe jrn`}npm+ Phm pmsp ds nbe}p pze nk` ekmhnci he}rs dk cmkjph nk` ds oeavesm` ei smcmopm` rmsveksm ~}mspdeks (a}cpdvcm ohedom+ @}rdkj
phm pmsp# sp}`mkps nrm nslm` pe `maeksprnpm phmdr lkezcm`jm ei jeymrkamkp ns dp rmcnpms pe hdspert#moekeados# nk` jmejrnvht+ N``dpdekncct# sp}`mkps zdcc nvvct daverpnkp sldccs nk` vreomssms phnp`maeksprnpm phmdr nbdcdpt pe phdkl ordpdoncct nk` nvvct phmdr oekpmkp lkezcm`jm dk n rmnc!zerc`smppdkj+
_oerms mnrkm` bt sp}`mkps nrm daverpnkp pe phma dk`dyd`}ncct# nk` ant `mpmradkm phmdrvrmvnrm`kmss ier vcnomamkp dk i}p}rm seodnc sp}`dms oe}rsms+ N vnssdkj soerm ds ?40+
Dk er`mr pe vreaepm phm bmsp vessdbcm rms}cps ek phm pmsp# vnrmkps onk nssdsp dk phm ieccezdkj nrmns7_vmnl zdph te}r sek er `n}jhpmr nbe}p `edkj phmdr bmspMkoe}rnjm jee` soheec nppmk`nkom vrder pe phm pmsp
Mkoe}rnjm vnrpdodvnpdek dk ncc rmydmz smssdeks phnp nrm eiimrm` bt phm soheec
N rmydmz j}d`m hns bmmk vrmvnrm` pe s}vverp sp}`mkps ns phmt vrmvnrm ier phm nssmssamkp+ Phmrmydmz }pdcdwms phm Anrtcnk` _pnpm @mvnrpamkp ei M`}onpdek ekcdkm ]+_+ Jeymrkamkp oe}rsm ns ncmnrkdkj peec+ Phds vnolmp dkoc}`ms phm ieccezdkj dkieranpdek pe hmcv sp}`mkps vrmvnrm ier phmH_N7
Zmbsdpm7 hppv7%%a`l>2ekcdkm+erj%
]smrknam7 Jeymrkamkp
Vnsszer`7 _p}`mkp
G}sp phm Inops phm bnsdo rm~}drm` dkieranpdek nbe}p jeymrkamkp ier sp}`mkps pelkez nk` }k`mrspnk`
H_N rmcmnsm` smcmopm` rmsveksm bt ~}mspdek ptvm (vecdpdonc onrpeeks# ohnrps )jrnvhs# vrdanrt se}roms# ) hmn`cdkms
Dk n``dpdek# dk`dyd`}nc hdjh soheecs nrm vreyd`dkj rmydmz smssdeks zhdoh ant bm nppmk`m`+ Vcmnsmoekpnop te}r ohdc`s hdjh soheec ier svmodido dkieranpdek+ Di n``dpdeknc dkieranpdek ds rm~}drm`vcmnsm oekpnop phm _eodnc _p}`dms Eiidom np 0>6!222!=006+
Jee` c}ol zdph phds daverpnkp mk`mnyer.
7/30/2019 HSA Government Review - 2009
3/31
7/30/2019 HSA Government Review - 2009
4/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 0
_pr}op}rm ei Jeymrkamkp7Phmrm nrm phrmm brnkohms ei jeymrkamkp+ Mnoh brnkoh hns dps ezk vezmrs (smvnrnpdek ei vezmrs nk` onk cdadp phmvezmr ei mnoh ephmr brnkoh (ohmols nk` bncnkoms+
Cmjdscnpdym Brnkoh Oekjrmss (Jmkmrnc Nssmabct dk A@ anlms phm cnzs+ Phm pze he}sms ei phm im`mrnc
cmjdscnp}rm nrm phm He}sm ei Rmvrmsmkpnpdyms nk` phm _mknpm+ Phm He}sm ei Rmvrmsmkpnpdyms ds `mpmradkm` btvev}cnpdek zhdcm phm _mknpm hns pze smknpers irea mnoh spnpm+ Beph rmvrmsmkpnpdyms nk` smknpers nrm mcmopm` btvev}cnr yepm+ Phm cmjdscnpdym brnkoh onk bm ohmolm` bt phm mxmo}pdym brnkoh bt phm Vrmsd`mkp ympedkj n cnz nk` ncse bm ohmolm` bt phm g}`dodnc brnkoh bt phm oe}rps `mocnrdkj n cnz vnssm` bt Oekjrmss ns }koekspdp}pdeknc+
Mxmo}pdym Brnkoh Vrmsd`mkp (Jeymrker dk A@ mxmo}pms phm cnzs+ Zhmk n cnz ds vnssm` dp ds }v pe phmVrmsd`mkp (phre}jh `mvnrpamkps nk` njmkodms pe mkierom phm cnzs anlm phma hnvvmk+ Phm Vrmsd`mkp ncse anlmsnvvedkpamkps nk` `mncs zdph iermdjk vecdot+ Phm Vrmsd`mkp ds mcmopm` bt phm Mcmopernc Oeccmjm+ Phm Vrmsd`mkp dsohmolm` bt phm cmjdscnpdym brnkoh bt phmdr nbdcdpt pe eymrrd`m n ympe nk` phre}jh davmnohamkp+
G}`dodnc Brnkoh _}vrmam Oe}rp nk` cmssmr oe}rps dkpmrvrmps phm cnzs nk` `mpmradkms di phmt nrm oekspdp}pde
Im`mrnc g}`jms nrm nvvedkpm` ier cdim bmon}sm phm ie}k`mrs `d` kep znkp g}`jms pe bm dkic}mkom` bt vecdpdos+ G}`jmspe `mpmradkm phm oekspdp}pdekncdpt ei cnzs bnsm` }vek dkpmrvrmpdkj phm Oekspdp}pdek rnphmr phnk phre}jh zhnp dsvev}cnr+ Phm Vrmsd`mkp keadknpms g}`jms nk` phm _mknpm oekidras keadknpdeks+ Phds ds nk mxnavcm ei ohmols nkbncnkoms+
Phm Omks}s7Mymrt >6 tmnrs n im`mrnc omks}s ds pnlmk+ Phm v}rvesm ei phm omks}s ds pe anlm nk noo}rnpm oe}kp ei phm vev}cnpdekEkom phm vev}cnpdek ds oe}kpm` phm smnps dk phm He}sm ei Rmvrmsmkpnpdyms ds rmnvverpdekm`+ Phds amnks phnp spnpms ajndk er cesm smnps dk Oekjrmss bnsm` }vek vev}cnpdek+
7/30/2019 HSA Government Review - 2009
5/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm =
Phm ]kdpm` _pnpms hns phrmm brnkohms ei jeymrkamkp cmjdscnpdym# mxmo}pdym# nk` g}`dodnc< hezmymr# phm zerl ei ph]kdpm` _pnpms jeymrkamkp kerancct pnlms vcnoms phre}jh ynrde}s `mvnrpamkps nk` njmkodms+ Ncphe}jh te} onk bm ns
be}p nkt ei phm `mvnrpamkps er njmkodms ek phm H_N# phm ekms hdjhcdjhpm` bmcez hnym bmmk aesp pmspm` ek phm H_N
Mxmo}pdym @mvnrpamkps7Zhmk Oekjrmss vnssms n cnz dp ds }v pe phm Mxmo}pdym Brnkoh ei jeymrkamkp (phm Vrmsd`mkp pe mxmo}pm phm cnzs+ Phdnlms vcnom phre}jh phm zerl ei ynrde}s `mvnrpamkps+ _eam ei phm aesp rmoejkdwnbcm mxmo}pdym `mvnrpamkps dkoc}`m
@mvnrpamkp ei _pnpms# @mvnrpamkp ei M`}onpdek# phm @mvnrpamkp ei G}spdom# nk` phm Prmns}rt @mvnrpamkp+ Mnoh ei ph`mvnrpamkps zerls pe p}rk cnzs dkpe rmncdpdms+ Ier mxnavcm# di phm Oekjrmss vnssms n cnz oekomrkdkj m`}onpdek# phmk }s pe phm _mormpnrt ei M`}onpdek pe zerl zdph phm @mvnrpamkp ei M`}onpdek pe anlm phm cnz n rmncdpt+
Ephmr `mvnrpamkps pe kepm dkoc}`m phm @mvnrpamkp ei Njrdo}cp}rm nk` phm @mvnrpamkp ei Hmncph nk` H}ank_mrydoms+ Phm @mvnrpamkp ei Njrdo}cp}rm `mncs zdph dss}ms vrdanrdct rmcnpm` pe inradkj< hezmymr# phmt nrm ncse
msveksdbcm ier vrejrnas `msdjkm` ier r}rnc nrmns nk` ds rmsveksdbcm ier irmm nk` rm`}om` c}koh vrejrnas dk ]_ sohe
Phm @mvnrpamkp ei Hmncph nk` H}ank _mrydoms ds phm }abrmccn erjnkdwnpdek ier smymrnc njmkodms nk` vrejrnas phnp mspm` ek phm H_N+ Phmsm dkoc}`m7
Am`dond` phds ds n vrejrna phnp vreyd`ms am`donc onrm pe phm veer+ Phm v}rvesm ei phds vrejrna ds pe mks}rm ncc Namrdonks# rmjnr`cmss ei dkoeam cmymcs# rmomdym bnsdo am`donc onrm+
Am`donrm phds ds n vrejrna phnp vreyd`ms am`donc onrm pe phm mc`mrct+ Phm v}rvesm ei phds vrejrna ds pe mks}phnp ec`mr Namrdonks rmomdym am`donc onrm+
Iee` nk` @r}j N`adkdsprnpdek phds ds nk njmkot phnp dksvmops iee` nk` pmsps `r}js pe mks}rm phmdr snimpt+ Phv}rvesm ei phds njmkot ds pe mks}rm phnp phm iee` nk` `r}js phnp zm oeks}am ds snim+ Phmrm nrm ocmnr snimpt
spnk`nr`s phnp phm I@N mks}rms nrm n`hmrm` pe+ Omkpmrs ier @dsmnsm Oekprec phds ds nk njmkot phnp zerls pe hmcv mks}rm phm v}bcdos hmncph phre}jh phm sp}`
vrmymkpdek# nk` prmnpamkp ei `dsmnsms nk` dcckmssms+ Phm v}rvesm ei phds njmkot ds pe davreym phm hmncph eiNamrdonks nk` idk` phm o}rms ier `dsmnsms nk` dcckmssms+
Phm @mvnrpamkp ei Mkmrjt hns smymrnc adssdeks# dkoc}`dkj mkmrjt smo}rdpt# mkydrekamkpnc vrejrnas# nk` k}ocmnrmj}cnpdek+ Phm K}ocmnr Rmj}cnpert Oeaadssdek ds }k`mr phm n}pherdpt ei phm @mvnrpamkp ei Mkmrjt+ Phm v}rvesmhm KRO ds pe mks}rm phm snim }sm ei k}ocmnr vezmr nk` phm snym `dsvesnc ei btvre`}ops ei k}ocmnr vezmr+
Phm @mvnrpamkp ei Prnksverpnpdek zerls pe mks}rm snimpt dk prnymc nk` prnksverpnpdek ei jee`s+ Phds dkoc}`ms rmj}cnhm zerldkj he}rs nk` oek`dpdeks ei pr}ol `rdymrs nk` smo}rdkj snimpt dk prnymc+ Ekm njmkot te} kmm` pe lkez phnp d
}k`mr phm @EP ds phm Im`mrnc Nydnpdek N`adkdsprnpdek+ Phds njmkot dksvmops ndrvcnkms nk` rmj}cnpms zerldkj oek`dpder vdceps nk` ephmr ndrcdkm zerlmrs+ Phds njmkot prdms pe mks}rm v}bcdo snimpt dk rmjnr`s pe ncc prnksvdrnpdek dss}ms+
G}sp phm Inops /27
Mxmo}pdym @mvnrpamkps nk` Njmkodms
7/30/2019 HSA Government Review - 2009
6/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 9
k`mvmk`mkp Rmj}cnpert Njmkodms7Ncphe}jh ankt njmkodms nrm vnrps ei mxmo}pdym `mvnrpamkps phmrm nrm ephmr njmkodms phnp mdphmr nkszmr `drmopct pe phVrmsd`mkp er pe Oekjrmss+ Phm njmkodms phnp nrm oeaaekct pmspm` ek phm H_N nrm hdjhcdjhpm` bmcez+
+ Phm _eodnc _mo}rdpt N`adkdsprnpdek phm __N n`adkdspmrs phm _eodnc _mo}rdpt vrejrna+ _eodnc _mo}rdpt zns
`msdjkm` bt Vrmsd`mkp Irnklcdk Reesmymcp `}rdkj phm Jrmnp @mvrmssdek nk` phm Kmz @mnc+ Phm v}rvesm ei _eod_mo}rdpt ds pe vreyd`m idknkodnc smo}rdpt ier phm mc`mrct+ Zdph phm dkormnsm dk phm k}abmrs ei Namrdonks mcdjdbcm_eodnc _mo}rdpt# phm vrejrna ds bmcdmym` pe bm dk `nkjmr ei s}rydydkj ier ankt aerm tmnrs+
2+ Phm Im`mrnc Oeaa}kdonpdeks Oeaadssdek phm IOO zns ormnpm` pe rmj}cnpm phm ndrznts phnp nrm }sm` pebren`onsp rn`de nk` PY vrejrnas+ Phmt rmj}cnpm phm oekpmkp ei vrejrnas# dkoc}`dkj omkserdkj dpmas phnp nrm smns ebsomkm+
+ Phm Im`mrnc Prn`m Oeaadssdek phm IPO zns ormnpm` pe mks}rm indr prn`m nk` b}sdkmss vrnopdoms ek phm vnrpoeavnkdms nk` oervernpdeks+ Phm IPO ncse prdms pe mks}rm pr}ph dk n`ymrpdsdkj+ Phds ds phm miierp pe lmmvn`ymrpdsmrs irea ocndadkj incsm rms}cps ei phm }sm ei phmdr vre`}ops er smrydoms+ Phm v}rvesm ei phds ds pe vrepmop
Namrdonk oeks}amrs+
0+ Phm Mkydrekamkpnc Vrepmopdek Njmkot phm MVN ds ohnrjm` zdph vrepmopdkj Namrdonk ndr# znpmr# nk` ephmrrmse}roms irea vecc}pdek nk` ephmr hnras+ Phm MVN ds rmsveksdbcm ier }vhec`dkj nkpd!vecc}pdek cnzs# s}oh ns phOcmnk Ndr Nop ei >4:6 nk` ephmr mkydrekamkpnc rmj}cnpdeks+ Phm MVN rmj}cnpms madssdeks (nae}kps ei vecc}pdermcmnsm` dkpe phm ndr nk` dkymspdjnpms nccmjnpdeks ei ydecnpdkj mkydrekamkpnc cnzs+ Phm MVN ds ncse rmsveksdbcmmks}rdkj phnp phm rm~}drmamkps ei phm Mk`nkjmrm` _vmodms Nop ei ieccezm`+ Phds rm~}drms phnp miierps nrm pnlmk hmcv vrmymkp phm mxpdkopdek ei omrpndk nkdancs+ Eymrncc phm v}rvesm ei phm MVN ds pe vrepmop Namrdonk hmncph btvrepmopdkj e}r knp}rnc rmse}roms+
7/30/2019 HSA Government Review - 2009
7/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm :
Vecdpdonc Vnrpdms7Phmrm nrm pze anger vecdpdonc vnrpdms @maeornps ) Rmv}bcdonks+ Vmevcm dk phmsm vecdpdonc vnrpdms shnrm oeaaekkpmrmsps nk` vmrsvmopdyms ek hez phm jeymrkamkp she}c` `mnc zdph ynrde}s v}bcdo dss}ms+ _eam o}rrmkp anger dss}mskoc}`m phm recm ei phm jeymrkamkp dk hmncphonrm# phm znr ek pmrrer# nk` phm moekeat+
Vecdpdonc vnrpdms nrm ymrt daverpnkp dk e}r vecdpdonc vreomss+ Vecdpdonc vnrpdms keadknpm onk`d`npms ier eiidoms phnp s}vvhmdr knpdeknc njmk`n+ Vecdpdonc vnrpdms rndsm aekmt ier onk`d`npms nk` hnym jmp e}p phm yepm onavndjks pe hmcv jmphmdr onk`d`npms mcmopm`+
kpmrmsp Jre}vs7kpmrmsp jre}vs nrm jre}vs ei vmevcm zhe prt pe dkic}mkom v}bcdo vecdot bt cebbtdkj cmjdscnpers nk` dkic}mkodkj v}b
evdkdek+ Dkpmrmsp jre}vs kerancct hnym ymrt knrrez njmk`ns (zhnp phmt znkp+ Mxnavcms ei dkpmrmsp jre}vs dkoc}`m Knpdeknc Rdicm Nsseodnpdek (j}k rdjhps# phm _dmrrn Oc}b (mkydrekamkp nk` phm Knpdeknc M`}onpdek Nsseodnpdekpmnohmrs nk` m`}onpdek+
Vmevcm zhe zerl ier dkpmrmsp jre}vs nk` prt pe dkic}mkom v}bcdo vecdot nrm onccm` cebbtdsps+ Cebbtdsps oekprdb}pm aee onk`d`npms vecdpdonc onavndjks nk` prt pe jmp phm v}bcdo pe v}p vrmss}rm ek onk`d`npms pe s}vverp phmdr dss}ms phre}v}bcdo evdkdek+
Ephmr Dkic}mkoms7Ekm ei phm anger dkic}mkoms ei v}bcdo vecdot ds phm am`dn (kmzsvnvmrs# PY# Dkpmrkmp# mpo++ Phm am`dn ds se sdjkdidonk e}r stspma phnp dp ds seampdams onccm` phm ie}rph brnkoh ei jeymrkamkp+ Dss}ms phnp rmomdym ceps ei nppmkpdek dav
v}bcdo evdkdek nk` }cpdanpmct v}bcdo vecdot+ Phm aerm nk dss}m rmomdyms am`dn nppmkpdek phm aerm cdlmct v}bcdo evdkdzdcc bm aebdcdwm` pe dkic}mkom cmjdscnpers nk` zdcc bmoeam lmt dss}ms dk mcmopdeks+
k`dyd`}ncs onk dkic}mkom phm jeymrkamkp phre}jh n ynrdmpt ei znts+ Dk`dyd`}ncs onk zrdpm cmppmrs pe cmjdscnpers# pmspdk irekp ei oekjrmss er ceonc oe}kodcs# nk` sdjk vmpdpdeks dk hevms ei cdadpdkj v}bcdo vecdot+ Dk`dyd`}ncs zhe znkp pekic}mkom v}bcdo vecdot kmm` pe anlm s}rm phmt n``rmss phm nvvrevrdnpm vmevcm+ Ier mxnavcm# di nk dk`dyd`}nc znkpm`kic}mkom phm `modsdeks rmcnpm` pe phm znr dk Drn~# dk`dyd`}ncs kmm` pe oekpnop im`mrnc cnz anlmrs (Oekjrmssamk+ Dieamekm znkpm` pe dkic}mkom n `modsdek rmcnpdkj pe Anrtcnk`s }sm ei scep anohdkms# phmt kmm` pe oekpnop spnpm eiido
Ceonc eiidodncs hnym oekprec eymr dss}ms s}oh ns soheec dss}ms nk` odpt er`dknkoms (ke slnpmbenr`s# mpo++
Rmimrmk`}a nk` Dkdpdnpdym7
k seam spnpms# odpdwmks onk hnym n aerm `drmop recm dk jeymrkamkp `modsdeks phre}jh phm }sm ei rmimrmk`}as nk`kdpdnpdyms+ Rmimrmk`}as nrm vev}cnr yepms ek n vrevesm` cnz+ Ier mxnavcm# Anrtcnk`s cmjdscnp}rm hns sohm`}cm` nmimrmk`}a ek scep anohdkms+ Di n angerdpt ei phm vmevcm yepms dk inyer ei phm scep anohdkms phmk phmt zdcc bmoeam ck Anrtcnk`+
Ephmr spnpms# kep Anrtcnk`# hnym dkdpdnpdyms zhmrm odpdwmks onk vmpdpdek ier n yepm ek n cnz phnp phm odpdwmks zrepmrnphmr phnk phm cmjdscnp}rms ier rmimrmk`}as+ Odpdwmks onk `rnip n cnz nk` phmk hnym phm vmevcm yepm `drmopct ek phnz ns dp ds vrmsmkpm` dk phm dkdpdnpdym+
G}sp phm Inops /?7
Dkic}mkodkj Jeymrkamkp#
Rmjdeknc Dss}ms# nk` phm Moekeat
7/30/2019 HSA Government Review - 2009
8/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 8
Rmjdeknc Dss}ms7Phmrm nrm pdams zhmk smymrnc spnpms gedk ieroms pe hnk`cm rmjdeknc dss}ms+ Ier mxnavcm# Anrtcnk`# @mcnznrm# nk`Ydrjdkdn ncc hnym dkpmrmsps dk phm Ohmsnvmnlm Bnt+ Phmsm spnpms hnym ieram` rmjdeknc njrmmamkps pe `mnc zdph vecc}pk` idshdkj rdjhps dk phm Bnt+
Moekeados7Ekm ei phm andk v}rvesms ei jeymrkamkp ds pe vrepmop phm moekeat+ Phmrm nrm smymrnc moekeado dk`donpers phnp hmcv`mpmradkm hez zmcc phm moekeat ds `edkj+ Phm Oeks}amr Vrdom Dk`mx (OVD rmverps phm oesps ei phm aesp oeaaekkmomssdpdms (iee`# shmcpmr# mpo++ Zhmk phm OVD ds cez# phm moekeat ds `edkj zmcc+ Phm moekeat ds ncse amns}rm` bt Jress @eamspdo Vre`}op (J@V+ Phm J@V rmcnpms pe phm ync}m ei jee`s vre`}om` dk phm ]kdpm` _pnpms+ Zhmk phm J@s hdjh phm moekeat ds `edkj zmcc+ Idkncct# phm }kmavcetamkp rnpm `mpmradkms zhnp vmromkpnjm ei phm n`}cp vev}cns }kmavcetm` nk` ceeldkj ier i}cc pdam zerl+ Zhmk phm }kmavcetamkp rnpm ds cez phm moekeat ds `edkj zmcc+
Phm jeymrkamkp rmj}cnpms phm moekeat phre}jh pze anger vecdodms Aekmpnrt nk` Idsonc+ Aekmpnrt Vecdot dsekpreccm` bt phm IM@ (Im`mrnc Rmsmrym Bnkl+ Phm jenc ei Aekmpnrt Vecdot ds pe rmj}cnpm phm nae}kp ei aekmt dkdro}cnpdek phre}jh ohnkjdkj phm dkpmrmsp rnpms# rmsmrym rm~}drmamkp# nk` phm b}tdkj nk` smccdkj ei jeymrkamkp
mo}rdpdms+ Zhmk phmrm ds hdjh }kmavcetamkp# phm moekeat kmm`s aerm aekmt dk odro}cnpdek+ Pe jmp aerm aekmt dkdro}cnpdek# phm IM@ onk cezmr phm dkpmrmsp rnpm# cezmr phm rmsmrym rm~}drmamkp# nk` b}t jeymrkamkp smo}rdpdms+ Ncc ehmsm v}p aerm aekmt dk odro}cnpdek zhdoh cmn`s pe vmevcm svmk`dkj aerm+ Zhmk dkicnpdek ds hdjh# phm moekeat kmmmss aekmt dk odro}cnpdek+ Pe `e phds# phm IM@ onk dkormnsm phm dkpmrmsp rnpm# dkormnsm phm rmsmrym rm~}drmamkp# nk` sm
jeymrkamkp smo}rdpdms+
Phre}jh Idsonc Vecdot# Oekjrmss onk niimop phm nae}kp ei aekmt dk odro}cnpdek phre}jh pnxdkj nk` svmk`dkj+ Zhmkoekeat ds scez (}kmavcetamkp ds hdjh Oekjrmss zdcc prt pe v}p aerm aekmt dk odro}cnpdek phre}jh cezmrdkj pnxmsk` dkormnsdkj jeymrkamkp svmk`dkj+ Zhmk phm moekeat ds mxvmrdmkodkj seam dkicnpdek# Oekjrmss zdcc prt pe `mormnhm nae}kp ei aekmt dk odro}cnpdek phre}jh rndsdkj pnxms nk` o}ppdkj svmk`dkj+
7/30/2019 HSA Government Review - 2009
9/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 4
_}vrmam Oe}rp7
Phm G}`dodnc Brnkoh ds an`m }v ei phm _}vrmam Oe}rp nk` ephmr im`mrnc oe}rps+ Phm _}vrmam Oe}rp ds phm idknc n}phe
k ncc ordadknc nk` odydc oe}rp onsms+ Phm _}vrmam Oe}rp ncse hmnrs onsms rmcnpm` pe `dsv}pms bmpzmmk spnpms+ Ier phm_}vrmam Oe}rp pe hmnr n onsm n oekspdp}pdeknc dss}m a}sp bm vrmsmkp+ Ier mxnavcm# phm oe}rp hns r}cm` phnp dk`dyd`}nchnym irmm`ea ei svmmoh (}k`mr phm >sp Namk`amkp b}p phm jeymrkamkp onk vrmymkp phm v}bcdonpdek (omkser seamphhnp ze}c` mk`nkjmr phm knpdek+
Ordadknc Cnz7k n ordadknc onsm seamekm hns bmmk noo}sm` ei n ordam+ Phm vmrsek brdkjdkj ohnrjms njndksp ds onccm` phm vresmo}p
Hm%shm zerls ier phm jeymrkamkp nk` dp ds hds er hmr geb pe vrmsmkp myd`mkom dk n prdnc phnp zdcc vreym phm `mimk`nkpj}dcpt bmtek`# n rmnseknbcm `e}bp+ Phm `mimk`nkp ds vrms}am` dkkeomkp }kpdc vreymk j}dcpt+
N jrnk` g}rt kerancct `mpmradkms zhmphmr phmrm ds mke}jh myd`mkom pe dk`dop (ohnrjm seamekm zdph n ordam+ Ankt
dams `mimk`nkps nk` vresmo}pers vcmn!bnrjndk n ohnrjm `ezk pe n cmssmr eiimksm+ Phds amnks cmss gndc pdam ier nrdadknc nk` dp ncse snyms phm jeymrkamkp aekmt bt nyed`dkj n prdnc+ Di n onsm jems pe prdnc# vmevcm onk bm ierom` pemspdit dk n prdnc phre}jh phm dss}nkom ei n s}bvemkn+
Rdjhps ei phm Noo}sm`7Phm Bdcc ei Rdjhps j}nrnkpmms ankt rdjhps pe phesm noo}sm` ei ordams+ Phm Idiph Namk`amkp rm~}drms phnp phesmoo}sm` ei ordams a}sp bm dk`dopm` (ohnrjm` zdph n ordam bt n jrnk` g}rt+ Phm Idiph Namk`amkp ncse vrepmops phesoo}sm` irea hnydkj pe pmspdit njndksp hda%hmrsmci nk` irea bmdkj ohnrjm` zdph phm snam ordam pzdom+
Phm Ie}rpmmkph Namk`amkp ncse vrepmops phesm noo}sm` ei ordams+ Phm @}m Vreomss Ocn}sm rm~}drms phnp mymrtekbm nznrm ei phmdr rdjhps+ Phm Oekspdp}pdeknc rdjhps ei phesm noo}sm` ei ordams hnym bmmk }vhmc` bt phm _}vrmam Oe}ankt dkspnkoms+ Phmsm oe}rp onsms phnp te} kmm` pe lkez nrm ie}k` bmcez+
>+ Adrnk`n y+ Nrdwekn zhmk vmevcm nrm nrrmspm`# phmt a}sp bm dkieram` ei phmdr Oekspdp}pdeknc rdjhps dkoc}`dkphm rdjhp pe nk npperkmt nk` phm rdjhp njndksp smci!dkordadknpdek+
2+ Jd`mek y+ Zndkzrdjhp phm 9ph Namk`amkp snts mymrtekm hns phm rdjhp pe nk npperkmt nk` dk phds onsm phm_}vrmam Oe}rp nvvcdm` phm >0ph Namk`amkp pe phm dk`djmkp (veer zhmk phmt r}cm` phnp phesm zhe onkkep niink npperkmt a}sp hnym ekm nvvedkpm` pe phma+
Rdjhps ei _p}`mkps7_p}`mkps hnym seam rdjhps zhdcm dk v}bcdo soheecs< hezmymr# phm rdjhp ier ephmr sp}`mkps pe rmomdym nk m`}onpdek# bm sk` ier phm soheec pe andkpndk er`mr s}vmrsm`m phm rdjhps ei phm dk`dyd`}nc sp}`mkp+ Pze onsms te} a}sp lkez rmcnpm`hm rdjhps ei sp}`mkps nrm Pdklmr y+ @ms Aedkms nk`Kmz Gmrsmt y+ PCE+
k Pdklmr phm _}vrmam Oe}rp r}cm` phnp sp}`mkps zhe zerm bcnol nrabnk`s ns n iera ei sdcmkp vrepmsp njndksp phmYdmpkna Znr zmrm zdphdk phmdr Idrsp Namk`amkp rdjhps (irmm`ea ei svmmoh nk` phnp phm nrabnk`s `d` kep `dsr}vp phkspr}opdek dk n soheec+
kKmz Gmrsmt y+ PCE phm _}vrmam Oe}rp r}cm` phnp soheec n`adkdsprnpers oe}c` smnroh n sp}`mkps v}rsm sdkom phmt rmnseknbcm s}svdodek phnp phm sp}`mkp hn` odjnrmppms dk hmr v}rsm+ Phds onsm cnd` phm ie}k`npdek ier soheec`adkdsprnpers pe bm nbcm pe smnroh sp}`mkps phnp phmt s}svmop ei hnydkj n ierbd``mk s}bspnkom er bmdkj dk vessmssdek
G}sp phm Inops /07
G}`dodnc Brnkoh# Odydc Rdjhps# ) @eamspdo
Vecdot
7/30/2019 HSA Government Review - 2009
10/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >6
ephmr dpmas+ Phm oe}rp r}cm` phnp phds `d` kep ydecnpm n sp}`mkps Ie}rph Namk`amkp rdjhp njndksp }krmnseknbcmmnrohms nk` smdw}rms+
Odydc Onsms7Odydc Onsms hnym n vcndkpdii(n vmrsek er jre}v ei vmevcm s}dkj n `mimk`nkp+ Dk seam onsms ekm vmrsek noo}sms nke
ei brmnldkj n oekprnop er ei bmdkj kmjcdjmkp (perps+ Ephmr onsms dkyecym dk`dyd`}ncs s}dkj phm jeymrkamkp+ Phm angedydc onsms te} kmm` pe lkez nrm ie}k` bmcez7
Anrb}rt y+ An`dsek phm _}vrmam Oe}rp r}cm` phnp phm _}vrmam Oe}rp oe}c` `mod`m di cnzs nrm }koekspdp}pdeknG}`dodnc Rmydmz
AoO}cceoh y+Anrtcnk` phm _}vrmam Oe}rp r}cm` phnp phm s}vrmanot ocn}sm ei phm Oekspdp}pdek amnks phnp phim`mrnc jeymrkamkp (dkoc}`dkj n im`mrnc bnkl ds s}vrmam pe spnpm cnz
Odydc Rdjhps Onsms nk` Cmjdscnpdek7k phm >4ph omkp}rt phm _}vrmam Oe}rp r}cm` dkVcmsst y+ Imrj}sek phnp smvnrnpm b}p m~}nc zns noomvpnbcm dk v}bcdonodcdpdms+ Bmjdkkdkj zdphBrezk y+ Benr` ei M`}onpdek (mk`m` smjrmjnpdek phm _}vrmam Oe}rp bmjnk pe nvvct phm
Namk`amkp pe phm nopdeks ei spnpms nk` soheec `dsprdops pe hmcv mks}rm rnodnc m~}ncdpt dk phm ]kdpm` _pnpms+
Phm im`mrnc jeymrkamkp hns vnssm` cnzs phnp nrm amnkp pe hmcv vrepmop phm Oekspdp}pdeknc rdjhps ei `diimrmkp jre}vs evmevcm+ Phm Odydc Rdjhps Nops vnssm` dk phm >496s ierbd` phm `dsordadknpdek ei vmevcm bnsm` }vek njm# rnom# mphkdoder rmcdjdek+ Dk nk nppmavp pe rmopdit tmnrs ei `dsordadknpdek ankt niidranpdym nopdek vrejrnas zmrm v}p dk vcnom phn}sm` rnom nk` jmk`mr ns n `mod`dkj inoper dk oeccmjm n`adssdeks nk` nznr`dkj ei geb oekprnops+ DkBnllm y+ Oncdierkdhm _}vrmam Oe}rp r}cm` phnp rnom oe}c` kep bm phm ekct inoper dk nznr`dkj n`adssdeks pe am`donc soheec+ Phm
Namrdonks zdph @dsnbdcdpdms Nop ierbd`s `dsordadknpdek `}m pe `dsnbdcdpdms (inodcdpdms a}sp bm noomssdbcm pe phesm zd`dsnbdcdpdms nk` Pdpcm DX rm~}drms phnp soheecs vreyd`m m~}nc nphcmpdo evverp}kdpdms pe jdrcs ns phmt `e ier bets+
@eamspdo Vecdot Dss}ms7
Im`mrnc nk` spnpm jeymrkamkps vnss n ynrdmpt ei cnzs pe vrepmop vmevcm nk` phm mkydrekamkp+ Te} kmm` pe lkez phmeccezdkj vrejrnas phnp nrm amnkp pe vrepmop vmevcm nk` phm mkydrekamkp+
_eodnc _mo}rdpt vreyd`ms seam rmpdrmamkp dkoeam ier phm mc`mrct
Am`donrm vreyd`ms am`donc onrm pe phm mc`mrct
Am`dond` vreyd`ms am`donc onrm pe phm dk`djmkp (veer Zmcinrm vreyd`ms moekeado s}vverp nk` iee` ier phm veer
_anrp Jrezph n vcnk pe oekprec anssdym jrezph rmcnpm` pe b}dc`dkj nk` phm }sm ei knp}rnc rmse}roms< `msdjpe cdadp phm nae}kp ei jrezph dk nrmns phnp `ekp hnym dkirnspr}op}rm (b}dc` n kmz jreomrt sperm zhmrm nk ec`jreomrt sperm ekom spee` dp ncrmn`t hns n vnrldkj cep nk` znpmr nk` mcmoprdo cdkms cmss davnop ek phmmkydrekamkp
Wekdkj ceonc vcnks ei zhnp ptvms ei b}dc`dkjs nk` b}sdkmssms onk bm dk omrpndk nrmns (ke bnrs kmxp pe nk
mcmamkpnrt soheec
7/30/2019 HSA Government Review - 2009
11/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >>
@diimrmkp Jeymrkamkps7
Phmrm nrm pze anger ptvms ei jeymrkamkps7+ N}pherdpnrdnk n jeymrkamkp zhmrm ekm vmrsek er n imz vmevcm anlm ncc phm `modsdeks ier phm jeymrkamkp+ Phd
dkoc}`ms n aeknroht (ldkj er ~}mmk nk` n pepncdpnrdnk `dopnpershdv+ Dk nk n}pherdpnrdnk stspma# phm jeymrkamkrmsprdops vmevcms dk`dyd`}nc irmm`ea# s}oh ns irmm`ea ei phm svmmoh er vrmss+ Mcmopdeks nrm kek!mxdspmkp er nrmjrmnpct cdadpm`+ Dk n``dpdek pe oekpreccdkj phm jeymrkamkp# cmn`mrs dk n}pherdpnrdnk rmjdams kerancct ncse oekprecmoekeat ns zmcc+ Eipmk n}pherdpnrdnk jeymrkamkps hnym oeaank` moekeadms+
2+ @maeornot n jeymrkamkp zhmrm vezmr oeams irea phm vmevcm phre}jh mcmopdeks+ Dk n `drmop `maeornot mymrtyepms ek ncc dss}ms+ Phds spdcc pnlms vcnom dk sancc oeaa}kdpdms cdlm pezk hncc ammpdkjs+ _dkom zm hnym se anktvmevcm dk phm ]kdpm` _pnpms zm hnym n rmvrmsmkpnpdym `maeornot+ Zm yepm ier ephmrs (smknpers# jeymrkers# oe}koe}kodc amabmrs pe rmvrmsmkp }s+ Dk n rmvrmsmkpnpdym `maeornot phmrm nrm irmm mcmopdeks nk` rmvrmsmkpnpdyms nppmpe ormnpm vecdodms phnp nvvmnc pe `diimrmkp vmevcm+
@maeornot dk Nopdek7Kep ncc `maeornodms zerl phm snam znt ns phm ]kdpm` _pnpms `ems+ Dk Jrmnp Brdpndk nk` ephmr M}revmnk jeymrkamkphmt `e kep mcmop n Vrmsd`mkp pe bm phm mxmo}pdym ei phm jeymrkamkp+ Ankt jeymrkamkps nrm Vnrcdnamkpnrt
Jeymrkamkps+ Phds amnks phnp vmevcm mcmop amabmrs pe Vnrcdnamkp (cdlm e}r Oekjrmss nk` phmk Vnrcdnamkp oheesmmn`mr phnp smryms vrdanrdct ns phm mxmo}pdym+ Phm rmnc cmn`mr ei Jrmnp Brdpndk ds phm Vrdam Adkdspmr zhe ds mcmopm`
amabmrs ei Vnrcdnamkp+
Ieras ei Jeymrkamkp7
Phmrm nrm `diimrmkp znts pe smp }v n jeymrkamkp+ Dk n }kdpnrt stspma phmrm ds rmncct ekct ekm omkprnc jeymrkamkp phnanlms ncc phm `modsdeks+ _pnpms nk` ceonc jeymrkamkps hnym ymrt cdppcm snt dk phm evmrnpdek ei phm jeymrkamkp+ Nkephera ei jeymrkamkp ds n oekim`mrnot zhmrm phmrm ds ymrt cdppcm omkprnc er im`mrnc vezmr nk` aesp vezmr ds hmc` btpnpms+ E}r iera ei jeymrkamkp ds n im`mrnc stspma zhmrm vezmr ds shnrm` bmpzmmk phm spnpms nk` phm im`mrnc
jeymrkamkp+
V}rvesms ei Iermdjk Vecdot7
Phm ]kdpm` _pnpms `mncs zdph ephmr oe}kprdms se phnp zm onk andkpndk e}r knpdeknc smo}rdpt (vrmymkp znr# sprmkjphe}r moekeado zmcc bmdkj (mkoe}rnjm prn`m# svrmn` `maeornot# nk` vreaepm h}ank rdjhps nk` h}ankdpnrdnk nsmk` nd` pe oe}kprdms dk kmm` nipmr n `dsnspmr+ Pe nohdmym phmsm ndas zm vnrpdodvnpm dk n ynrdmpt ei erjnkdwnpdeks+
kpmrknpdeknc Erjnkdwnpdeks7Lkez phm ieccezdkj erjnkdwnpdeks nk` zhnp phmt `e7+ Kerph Npcnkpdo Prmnpt Erjnkdwnpdek (KNPE phds erjnkdwnpdek ds oeavesm` ei phm ]kdpm` _pnpms nk` e}r nccd
dk M}revm+ Phm v}rvesm ds pe vrepmop e}r knpdeknc smo}rdpt nk` phesm ei e}r nccdms+ Di ekm oe}kprt zns dkyn`m` nccamabmr knpdeks ze}c` je pe znr pe `mimk` mnoh ephmr+
2+ ]kdpm` Knpdeks (]K phds erjnkdwnpdek ds oeavesm` ei aesp ei phm oe}kprdms ei phm zerc` nk` phm v}rvesm ds pevrmymkp znr phre}jh `dncej}m zdph ephmr oe}kprdms+ Phm ]K ncse erohmsprnpms h}ankdpnrdnk adssdeks pe oe}kprdmsniimopm` bt znr nk` `dsnspmr+
G}sp phm Inops /=7
Iermdjk Vecdot ) Dkpmrknpdeknc
Jeymrkamkps
7/30/2019 HSA Government Review - 2009
12/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >2
+ Kerph Namrdonk Irmm Prn`m Njrmmamkp (KNIPN phds njrmmamkp bmpzmmk phm ]kdpm` _pnpms# Amxdoe# nk`Onkn`n vreyd`ms ier irmm prn`m ei aesp jee`s bmpzmmk phmsm oe}kprdms+ Phm v}rvesm ei phds njrmmamkp zns pedkormnsm moekeado evverp}kdpdms dk ncc phrmm oe}kprdms+
0+ Dkpmrknpdeknc Aekmpnrt I}k` (DAI phds erjnkdwnpdek aekdpers dkpmrknpdeknc mxohnkjm rnpms ei amabmr knpde
Phm v}rvesm ei phds erjnkdwnpdek ds pe smo}rm dkpmrknpdeknc moekeado spnbdcdpt+
+ Zerc` Bnkl phds erjnkdwnpdek vreyd`ms cenks pe amabmr oe}kprdms pe b}dc` dkirnspr}op}rm nk` `mnc zdph `eamskmm`s+ Phm v}rvesm ei phds erjnkdwnpdek ds pe vreaepm moekeado jrezph dk `mymcevdkj (veer$ knpdeks+
9+ Dkpmrknpdeknc Rm` Oress phds erjnkdwnpdek vreyd`ms s}vverp pe knpdeks dk pdams ei znr nk` `dsnspmrs (s}oh nsicee`s+ Phm v}rvesm ei phds erjnkdwnpdek ds pe vreyd`m h}ankdpnrdnk rmcdmi+
Moekeado Rmcnpdeks zdph Iermdjk Knpdeks7k n``dpdek pe KNIPN# phm ]kdpm` _pnpms mkpmrs dkpe ankt prn`m njrmmamkps+ Phmsm njrmmamkps nrm amnkp pe vreyd`moekeado evverp}kdpdms pe ncc knpdeks dkyecym`+ Prn`m njrmmamkps kerancct cdadp er mcdadknpm pnrdiis vnd` bt ephmr
knpdeks pe daverp jee`s dkpe n oe}kprt+
Pnrdiis nrm }sm` pe vrepmop dk`}sprdms dk ekm oe}kprt irea ohmnvmr dpmas an`m dk ephmr oe}kprdms+ Ier mxnavcm# di nkNamrdonk oeavnkt onk vre`}om n bdotocm ier $>66+66 nk` n Gnvnkmsm oeavnkt onk vre`}om n sdadcnr bdotocm ier$:=+66# phm ]_ jeymrkamkp adjhp vcnom n pnrdii ei $2=+66 ek phm bdotocm se phnp dp pee ze}c` oesp n oeks}amr $>66+6Phds vrepmops phm Namrdonk oeavnkt nk` anlms dp oeavmpdpdym zdph phm Gnvnkmsm oeavnkt+
Iermdjk Nd` nk` _nkopdeks7
Zhmk phm ]kdpm` _pnpms znkps pe mkoe}rnjm n knpdek pe `e seamphdkj (er kep `e seamphdkj phm ]_ zdcc ankdv}cnpmermdjk nd` er zdcc v}kdsh n oe}kprt zdph moekeado snkopdeks+ Ier mxnavcm# di n oe}kprt phnp `d` kep hnym `maeornpdocmopdeks vrder nkke}kom vcnks ier `maeornpdo mcmopdeks# phm ]_ adjhp dkormnsm phm nae}kp eiiermdjk nd` phm oe}kprmomdyms (aerm aekmt ier iee` er ephmr dpmas+
k oekprnsp di phm adcdpnrt ei n oe}kprt eymrphrezs dps `maeornpdoncct mcmopm` cmn`mrs phm ]_ adjhp davesm moekeadonkopdeks nk` rmi}sm pe prn`m zdph phm oe}kprt+ Phm dkpmkp ds phnp phds ze}c` on}sm moekeado vrebcmas dk phm eiimk`d
knpdek nk` phmt adjhp ohnkjm phmdr bmhnyder pe jmp prn`m rmsperm`+
O}rrmkp Dkpmrknpdeknc Oekomrks7Phm ]kdpm` _pnpms oekspnkpct aekdpers zerc` oek`dpdeks pe hmcv mks}rm dps spnbdcdpt nk` smo}rdpt+ O}rrmkpct# anger dsskoc}`m svrmn`dkj `maeornot (zm znkp pe `mnc zdph oe}kprdms phnp nrm `maeornodms rnphmr phnk n}pherdpnrdnk
jeymrkamkps# rmsprdopdkj zmnveks ei anss `mspr}opdek (oe}kprdms s}oh ns Kerph Lermn nk` Drnk smmldkj k}ocmnrbdcdpdms# pmrrerdsa# nk` dkpmrknpdeknc mkydrekamkpnc oekomrks (s}oh ns jcebnc znradkj+
7/30/2019 HSA Government Review - 2009
13/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >?
Rmcmnsm` ^}mspdeks 266?!6:7 Mxomrvps % ^}epms
Rmn` phm mxomrvp bmcez+
Nipmr \`dyd`dkjQ phm smymrnc ocnssms ei vezmr# ns phmt ant dk phmdr knp}rm bmcmjdscnpdym# mxmo}pdym# er g}`dodnrt# phm kmxp nk` aesp `diido}cp pnsl ds pe vreyd`m seam
vrnopdonc smo}rdpt ier mnoh# njndksp phm dkynsdek ei phm ephmrs+
Phm Im`mrncdsp# Ke+ 08
>+ Zhdoh ei phmsm vrdkodvcms ei jeymrkamkp ds `msordbm` dk phm mxomrvp5N+ `}m vreomssB+ vev}cnr seymrmdjkptO+ ohmols nk` bncnkoms@+ rmvrmsmkpnpdym `maeornot
Rmn` phm mxomrvp bmcez+
Ke vmrsek shncc bm hmc` pe nkszmr ier n onvdpnc# er ephmrzdsm dkinae}s ordam }kcmssek n vrmsmkpamkp er dk`dopamkp ei n Jrnk` G}rt ker shncc nkt vmrsek bm s}bgmop ierphm snam eiimkom pe bm pzdom v}p dk gmevnr`t ei cdim er cdab< ker shncc bm oeavmccm` dknkt ordadknc onsm pe bm n zdpkmss njndksp hdasmci +
Idiph Namk`amkp#]kdpm` _pnpms Oekspdp}pdek
2+ Zhdoh ei phmsm `ems phm Idiph Namk`amkp svmodidoncct vrehdbdp5N+ ierodkj zdpkmssms dk n onsm pe pmspditB+ nccezdkj phm am`dn pe nkke}kom nk dk`dopamkpO+ prtdkj seamekm ier phm snam ordam n smoek` pdam
@+ smcmopdkj g}rers zhe nrm vrmg}`dom` njndksp phm `mimk`nkp
Rmn` phm ~}epnpdek bmcez+
E}r jrmnpmsp vrdanrt pnsl ds pe v}p vmevcm pe zerl+ Dp onk bm nooeavcdshm` dk vnrpbt `drmop rmor}dpdkj bt phm Jeymrkamkp dpsmci# prmnpdkj phm pnsl ns zm ze}c` prmnp phmmamrjmkot ei n znr+
Irnklcdk @+ Reesmymcp#Anroh 0# >4??
?+ Bnsm` ek phm ~}epnpdek nbeym# Irnklcdk @+ Reesmymcp aesp cdlmct zerlm` peN+ dkormnsm vreidps ei oervernpm aekevecdmsB+ vreaepm phm jmkmrnc zmcinrm ei phm knpdekO+ cdadp phm vezmr ei phm im`mrnc jeymrkamkp@+ `mormnsm jeymrkamkp rmsprdopdeks ek cnk` }sm
7/30/2019 HSA Government Review - 2009
14/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >0
Rmn` phm mxomrvp bmcez+
Ke irmmank \vmrsekQ shncc bm pnlmk er davrdsekm`# er e}pcnzm`# er bnkdshm`# er dknkt znt `mspretm`# }kcmss bt phm cnzi}c g}`jamkp ei hds vmmrs# er bt phm cnz ei phmcnk`+
Anjkn Onrpn# >2>=0+ Zhdoh ei phmsm oekspdp}pdeknc vrepmopdeks ds `msordbm` dk phm mxomrvp5
N+ jeymrkamkp cmn`mrs nrm ohesmk bt phm vmevcmB+ odpdwmks zdcc rmomdym n indr vrdom ier cnk` pnlmk ier v}bcdo }smO+ odpdwmks noo}sm` ei ordams zdcc bm hmnr` bt nk davnrpdnc g}rt@+ vezmr ds `dyd`m` bmpzmmk phm phrmm brnkohms ei jeymrkamkp
Rmn` phm mxomrvp bmcez+
Phm ]kdpm` _pnpms _}vrmam Oe}rp r}cm` dk 266> phnp dp zns oekspdp}pdeknc ier Pmxnsvecdom pe nrrmsp nk` gndc n `rdymr ier kep zmnrdkj n smnp bmcp+
Dk Anrtcnk`# spnpm cnz vrmymkps v}bcdo nrrmsps ier prniido ordams }kcmss ephmrodro}aspnkoms mxdsp# s}oh ns `r}kl `rdydkj# indc}rm pe vre`}om d`mkpdidonpdek# ernppmavpdkj pe cmnym n ordam somkm+
=+ Zhdoh ei phmsm nopdeks oe}c` phm im`mrnc jeymrkamkp pnlm pe dkic}mkom Anrtcnk`pe rmvmnc phm cnz `msordbm` dk phm mxomrvp5N+ rmgmopdek ei phm Anrtcnk` Jeymrkers nvvedkpamkps ei spnpm eiidodncsB+ zdphhec`dkj ei prnksverpnpdek i}k`s irea Anrtcnk`O+ rmvcnomamkp ei phm Anrtcnk` spnpm vecdom ohdmi@+ rm`}opdek ei Anrtcnk` oekjrmssdeknc rmvrmsmkpnpdek
Rmn` phm ~}epnpdek bmcez+
Namrdonks nrm irmm pe `dsnjrmm zdph phm cnz b}p kep pe `dsebmt dp+ Ier dk njeymrkamkp ei cnzs nk` kep ei amk# ke ank# hezmymr vreadkmkp er vezmri}c# nk` keaeb hezmymr }kr}ct er bedspmre}s# ds mkpdpcm` pe `mit n oe}rp ei cnz+
Vrmsd`mkp Gehk I+ Lmkkm`t
9+ Phm ~}epnpdek nbeym aesp `drmopct s}vverps vrmsd`mkpdnc nopdeks phnpN+ davreym dkpmrknpdeknc rmcnpdeks
B+ davreym phm moekeatO+ mks}rm v}bcdo er`mr nk` snimpt@+ mks}rm dk`dyd`}nc rdjhps
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15/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >=
Rmn` phm vnssnjm bmcez+ Phmk nkszmr phm ieccezdkj+
Ier eymr >=6 tmnrs# phm spnpm ei Ydrjdkdn evmrnpm` nk ncc!ancm oeccmjm onccm` phmYdrjdkdn Adcdpnrt Dkspdp}pm (YAD$+ Dk >446# phm ]kdpm` _pnpms jeymrkamkp s}m` phm spnpmei Ydrjdkdn np phm rm~}msp ei n imancm hdjh soheec sp}`mkp smmldkj n`adssdek pe YAD+Phm _}vrmam Oe}rp r}cm` phnp YAD hn` pe n`adp zeamk zhe oe}c` ammp phm vhtsdonc
nk` ephmr rm~}drmamkps+
:+ Zhdoh ei phmsm spnpmamkps bmsp mxvcndks phm rmnsek ier phm `modsdek dk phds onsm5N+ V}bcdo oeccmjms onkkep dsordadknpm ek phm bnsds ei jmk`mr+B+ V}bcdo oeccmjms a}sp hnym adkda}a spnk`nr`s ier n`adssdek+O+ N adcdpnrt dkspdp}pdek onkkep dsordadknpm bnsm` ek vhtsdonc nbdcdpt+@+ _pnpm soheecs a}sp n`adp n angerdpt ei phm vmevcm zhe nvvct ier n`adssdek+
Ke \b}sdkmssQ shncc `dsordadknpm njndksp n ~}ncdidm` dk`dyd`}nc zdph n `dsnbdcdpt+++ dkrmjnr` pe geb nvvcdonpdek vreom`}rms# phm hdrdkj# n`ynkomamkp# er `dsohnrjm \idrdkjQ eimavcetmms+++
Namrdonks zdph @dsnbdcdpdms Nop# >446
8+ Phm Namrdonks zdph @dsnbdcdpdms Nop ds nk mxnavcm ei n jeymrkamkp nopdek pnlmkpeN+ vrepmop odydc rdjhpsB+ andkpndk jmk`mr m~}ncdptO+ vreaepm o}cp}rnc `dymrsdpt@+ mspnbcdsh m`}onpdeknc stspmas
Rmn` phm dkieranpdek bmcez+
Dk ]pnh# sp}`mkps irea n Knpdym Namrdonk rmsmrynpdek hn` pe prnymc 46 adcms pe phmkmnrmsp hdjh soheec+ Ns n rms}cp# phm ]kdpm` _pnpms @mvnrpamkp ei G}spdom s}m` phmsoheec `dsprdop ier indcdkj pe b}dc` n hdjh soheec kmnr phm rmsmrynpdek+
4+ Bnsm` ek phm dkieranpdek nbeym# zhnp ds phm recm ei phm ]kdpm` _pnpms @mvnrpamkpei G}spdom5N+ pe mspnbcdsh soheec `dsprdops zdphdk spnpmsB+ pe jdym spnpms oekprec eymr vrevmrpt rdjhpsO+ pe `mod`m phm o}rrdo}c}a dk soheecs@+ pe mks}rm m~}nc prmnpamkp }k`mr phm cnz
7/30/2019 HSA Government Review - 2009
16/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >9
Rmn` phm ~}epnpdek bmcez+
E}r odpdwmks hnym zdsmct ieram` phmasmcyms dkpe ekm knpdek ns pe ephmrs nk` smymrnc_pnpms ns naekj phmasmcyms+++
Pheans Gmiimrsek# >86>
>6+ Phm ~}epnpdek rmimrs pe phm vrdkodvcm eiN+ im`mrncdsaB+ r}cm ei cnzO+ angerdpt r}cm@+ smvnrnpdek ei vezmrs
Ceel np phm mxomrvp bmcez+
Nrpdocm >
Ncc h}ank bmdkjs nrm berk irmm nk` m~}nc dk `djkdpt nk` rdjhps+ Phmt nrm mk`ezm`
zdph rmnsek nk` oeksodmkom nk` she}c` nop peznr`s ekm nkephmr dk n svdrdp eibrephmrhee`+
Nrpdocm ?
Mymrtekm hns phm rdjhp pe cdim# cdbmrpt# nk` smo}rdpt ei vmrsek+
]kdymrsnc @mocnrnpdek ei H}ank Rdjhps
>>+ Phm @mocnrnpdek ei Dk`mvmk`mkom nk` phm nrpdocms nbeym nrm sdadcnr bmon}smbephN+ `msordbm phm vezmrs ei jeymrkamkpB+ nrm mkierom` dk mymrt oe}kprt dk phm zerc`O+ `msordbm vmrseknc irmm`eas pe zhdoh mymrt vmrsek ds mkpdpcm`@+ nrm }sm` bt phm Zerc` Oe}rp pe rmsecym dkpmrknpdeknc `dsv}pms
Rmn` phm mxomrvp bmcez+
>2+ Zhdoh ei phmsm vrdkodvcms ie}k` dk phm Bdcc ei Rdjhps ds bnsm` ek phm AnjknOnrpn5N+ j}nrnkpmm ei irmm svmmohB+ vrepmopdek ei phm rdjhp ei phm spnpm pe erjnkdwm n adcdpdnO+ vreydsdek ier `}m vreomss@+ vrehdbdpdek njndksp mxomssdym bndc nk` idkms
Ke irmmank \vmrsekQ shncc bm pnlmk er davrdsekm`#+++er e}pcnzm`# erbnkdshm`# er dk nkt znt `mspretm`# }kcmss bt phm cnzi}c g}`jamkp ei hdsvmmrs# er bt phm cnz ei phm cnk`+++
Anjkn Onrpn# >2>=
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NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >:
Rmn` phm dkieranpdek bmcez+
>?+ Zhnp zns phm v}rvesm ei phm mxmo}pdym er`mr nbeym5N+ pe andkpndk v}bcdo er`mrB+ pe rm`}om }kmavcetamkpO+ pe vrepmop phm rdjhps ei dk`dyd`}ncs@+ pe j}nrnkpmm phm snimpt ei ncc odpdwmks
Rmn` phm vnrnjrnvh bmcez+
>0+ Zhnp vrdkodvcm ei jeymrkamkp ds bmsp rmicmopm` dk phm nrpdocm nbeym5
N+ im`mrncdsaB+ angerdpt r}cmO+ g}`dodnc rmydmz@+ ohmols nk` bncnkoms
Rmn` phm mxomrvp bmcez+
>=+ Bnsm` ek phm mxomrvp# zhdoh ei phmsm jeymrkamkp nopdeks ze}c` phm n}pher aespcdlmct s}vverp5N+ rndsdkj pnxms ek daverpm` jee`sB+ mkpmrdkj dkpe irmm prn`m njrmmamkpsO+ dkormnsdkj znjms vnd` pe zerlmrs@+ vnssdkj sprdop rmj}cnpdeks ek b}sdkmssms
+++pe vcnom ~}ncdidm` dk`dyd`}ncs zdph amkpnc `dsnbdcdpdms dk oeaa}kdptsmppdkjs+++Phm Im`mrnc Jeymrkamkp a}sp+++hmcv mks}rm phnp nccNamrdonks hnym phm evverp}kdpt pe cdym ocesm pe phmdr inadcdms nk`irdmk`s+++nk` pe vnrpdodvnpm dk oeaa}kdpt cdim+
Mxmo}pdym Er`mr >?2>:
Phm vezmrs kep `mcmjnpm` pe phm ]kdpm` _pnpms bt phm Oekspdp}pdek phmrmei#ker vrehdbdpm` bt dp pe phm _pnpms# nrm rmsmrym` pe phm _pnpms rmsvmopdymct# erpe phm vmevcm phmrmei+
Nrpdocm ?# @mocnrnpdek ei Rdjhps#Oekspdp}pdek ei Anrtcnk`
Di n iermdjk oe}kprt onk s}vvct }s zdph n \vre`}opQ ohmnvmr phnk zm e}rsmcymsonk anlm dp# bmppmr b}t dp \ireaQ phma+++
N`na _adph# Phm Zmncph ei Knpdeks# >::9
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18/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >8
Rmn` phm mxomrvps bmcez+
>9+ Zhdoh ei phmsm oekspdp}pdeknc vrdkodvcms ds `msordbm` dk Nrpdocm > ei phm Anrtcnk`@mocnrnpdek ei Rdjhps5N+ Phm vmevcm she}c` hnym m~}nc vrepmopdek }k`mr phm cnz+
B+ _pnpm jeymrkamkps nk` phm im`mrnc jeymrkamkp shnrm vezmrs+O+ Phm vmevcm dk n maeornpdo seodmpt jdym phmdr oeksmkp pe bm jeymrkm`+@+ Mnoh brnkoh ei phm jeymrkamkp hns vezmrs eymr phm ephmr brnkohms+
>:+ Zhdoh ei phmsm oekspdp}pdeknc rdjhps ds `msordbm` dk Nrpdocm 20 nbeym5I+ phm rdjhp pe bmnr nrasJ+ phm rdjhp pe `}m vreomssH+ phm rdjhp pe irmm`ea ei svmmohG+ phm rdjhp pe vmnomnbct nssmabcm
Rmn` phm mxomrvp bmcez+
>8+ Zhdoh ei phmsm ze}c` bm noomvpnbcm ns n rms}cp ei phds namk`amkp5I+ N `mimk`nkp dk n ordadknc onsm ds smkpmkom` bt n oe}rp ei cnz pe vreyd`m
}kvnd` oeaa}kdpt smrydom zerl+J+ N v}bcdo `mimk`mr ds rm~}drm` pe vreyd`m cmjnc smrydoms pe n vmrsek noo}sm` ei
n ordam zhe onkkep niier` rmvrmsmkpnpdek+H+ N ]kdpm` _pnpms Vrmsd`mkp ds mcmopm` pe smrym ns phm oe}kprt*s cmn`mr ier n
pmra ei ie}r tmnrs+G+ N ]kdpm` _pnpms odpdwmk ds rm~}drm` bt cnz pe smrym ns n amabmr ei phm g}rt
zhmk smcmopm` ier `}pt+
Nrpdocm >Phnp ncc jeymrkamkp ei rdjhp erdjdknpms irea phm vmevcm
7/30/2019 HSA Government Review - 2009
19/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm >4
Dk >80: Lnrc Anrx nk` Irdm`rdoh Mkjmcs zrepm phm Oeaa}kdsp Ankdimspe# zhdohvrm`dopm` phm incc ei onvdpncdsa+ Rmn` phm mxomrvp bmcez+
Nooer`dkj pe phm mxomrvp nbeym# Anrx nk` Mkjmcs bmcdmym` phnp onvdpncdsaI rmsprdopm` phm moekeado irmm`ea ei mavcetmrsJ `dsoe}rnjm` oeavmpdpdek naekj b}sdkmssmsH indcm` pe mks}rm phm ~}ncdpt ei jee`s vre`}om`G indcm` pe vrepmop phm bnsdo rdjhps ei zerlmrs
Rmn` phm ~}epnpdek bmcez+
>4+ Nooer`dkj pe phm ~}epnpdek# Gehk _vnrje zns vrebnbct dk inyer ei phm jeymrkamkpI+ cezmrdkj phm adkda}a znjm
J+ ierbd``dkj phm mspnbcdshamkp ei cnber }kdeksH+ rmj}cnpdkj ohdc` cnber vrnopdomsG+ vcntdkj n sanccmr recm dk vrdynpm b}sdkmss
Rmn` phm mxomrvp bmcez+
26+ Bnsm` ek phm mxomrvp# phm Znr Vezmrs Nop zns aesp cdlmct dss}m` dk rmsveksm peN+ vrepmsp njndksp `rnipdkj zeamkB+ cnol ei vrmvnrm`kmss dk phm nram` ieromsO+ mxvnksdek bt phm Vrmsd`mkp ei hds recm ns Oeaank`mr dk Ohdmi@+ nppmavps bt phm _}vrmam Oe}rp pe oekprec phm @mvnrpamkp ei @mimksm
"Phm ae`mrk zerldkj!ocnss `mymcevm` n ocnss ei cnbermrs zhe cdym ekct se cekjns phmt idk` zerl# nk` zhe idk` zerl ekct se cekj ns phmdr cnber dkormnsmsonvdpnc+"
irea phm Oeaa}kdsp Ankdimspe
"Or}kohm` eymr phm \oencQ oh}pms# phm bets sdp he}r nipmr he}r# vdoldkj np phmvdmoms ei scnpm nk` ephmr \prnshQ++++ D ekom spee`+++nk` prdm` pe `e phm zerl npzmcym!tmnr!ec` bet zns `edkj `nt nipmr `nt# ier pmk he}rs np n sprmpoh# iersdxpt omkps n `nt+ Phm jceea+++\pre}bcm`Q am++++"
Gehk _vnrje# Phm Bdppmr Ort ei phm Ohdc`rmk# >469
Phm Vrmsd`mkp dk mymrt vessdbcm dkspnkom shncc oeks}cp zdph Oekjrmssbmierm dkpre`}odkj ]kdpm` _pnpms Nram` Ieroms dkpe hespdcdpdms \adcdpnrtoekicdopsQ+++nk` nipmr mymrt s}oh dkpre`}opdek shncc oeks}cp rmj}cnrct zdph phmOekjrmss }kpdc ]kdpm` _pnpms Nram` Ieroms nrm ke cekjmr mkjnjm` dkhespdcdpdms++++
Phm Znr Vezmrs Nop ei >4:?
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20/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 26
Nkszmrs pe ^}epnpdek ^}mspdeks7>+ O2+ O?+ B0+ O
=+ B9+ O:+ N8+ N4+ @>6+ N>>+ O>2+ O>?+ O>0+ N>=+ B
>9+ O>:+ J>8+ I>4+ H26+ O
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NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 2>
Vecdpdonc Onrpeek ^}mspdeks
_p}`t phm vecdpdonc onrpeek bmcez+
MVN7 Mkydrekamkpnc Vrepmopdek Njmkot
>+ Pe zhdoh vrebcma dk Anrtcnk` `ems phm vecdpdonc onrpeek aesp `drmopct nvvct5N+ `mpmradkdkj prniido vnppmrks dk NkknvecdsB+ dkieradkj Bncpdaerm rmsd`mkps ei ordam rnpmsO+ davreydkj phm znpmr ~}ncdpt dk phm Ohmsnvmnlm Bnt@+ cdadpdkj phm jrezdkj vev}cnpdek nre}k` Znshdkjpek# @+O+
_p}`t phm vecdpdonc onrpeek bmcez+
2+ Phm onrpeek s}jjmsps phnp seam odpdwmksN+ bmcdmym phnp phm g}spdom stspma ds }kzerlnbcmB+ nrm }kzdccdkj pe brmnl phm cnzO+ bmcdmym phnp phm rdjhp pe n prdnc bt g}rt ds }kkmomssnrt@+ nrm }kzdccdkj pe noomvp phmdr rmsveksdbdcdpdms
7/30/2019 HSA Government Review - 2009
22/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 22
Ceel np phm onrpeek bmcez+ Phmk nkszmr phm ieccezdkj+
?+ Zhdoh ei phmsm `ems phm onrpeek s}jjmsp eoo}rs ns n rms}cp ei am`dn vrm`dopdeks eimcmopdek rms}cps5N+ Veccdkj vcnoms ocesm bmierm phmdr sohm`}cm` pdam+
B+ Onk`d`npms zdph`rnz irea mcmopdeks+O+ Kmpzerls jdym `diimrmkp dkieranpdek nbe}p onk`d`npms+@+ Odpdwmks nrm `dsoe}rnjm` irea jedkj pe phm veccs+
0+ Zdph zhdoh ei phmsm spnpmamkps ze}c` phm onrpeekdsp aesp cdlmct njrmm5N+ Phm am`dn she}c` spev oeymrdkj mcmopdeks+B+ Yepmrs she}c` bm nznrm ei yepdkj prmk`s ek mcmopdek `nt+O+ Phm am`dn she}c` zndp }kpdc ncc veccs ocesm bmierm vregmopdkj zdkkmrs+@+ Yepmrs she}c` spev yepdkj ier onk`d`npms zhe n`ymrpdsm ek pmcmydsdek+
Phm onrpeek bmcez zns `rnzk dk >44:+ Ceel np phm onrpeek+
=+ Nooer`dkj pe phm onrpeek# dk >44:N+ imzmr vmevcm nvvcdm` ier Am`donrmB+ phm oesp ei vreyd`dkj Am`donrm `mormnsm`O+ phm jeymrkamkp rm`}om` Am`donrm i}k`dkj@+ imzmr vmevcm kmm`m` phm nssdspnkom ei Am`donrm
7/30/2019 HSA Government Review - 2009
23/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 2?
Ceel np phm onrpeek bmcez+
9+ Phm onrpeekdsp ds anldkj n spnpmamkp nbe}pN+ rdsdkj oesps ei am`donc onrmB+ i}k`dkj ier onk`d`npmsO+ hdjh sncnrdms ei amabmrs ei Oekjrmss@+ dkormnsdkj oesps ei jeymrkamkp vrejrnas
Ceel np phm onrpeek bmcez+:+ Nooer`dkj pe phm onrpeek# zhnp ds n
ordpdodsa ei phm g}ymkdcm g}spdom stspma5
N Phm stspma jdyms g}`jms cdppcm ohedomdk v}kdshamkp+
B Phm g}ymkdcm g}spdom stspma znspmspee a}oh aekmt+
O Phm jeymrkamkp hns pee a}ohoekprec eymr phm cdyms ei g}ymkdcms+
@ Phm oe}rps anlm phm oeaa}kdptrmsveksdbcm ier g}ymkdcms* nopdeks+
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24/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 20
_p}`t phm onrpeek bmcez+
8+ Phm onrpeekdsp ze}c` aesp cdlmct njrmm phnp
N+ `eknpdeks pe vecdpdonc onk`d`npms hnym `mormnsm`B+ ~}ncdidonpdeks ier vecdpdonc onk`d`npms hnym ohnkjm`O+ vecdpdonc onk`d`npms vnt cdppcm nppmkpdek pe v}bcdo evdkdek veccs@+ vecdpdonc onk`d`npms andkct rmvrmsmkp cnrjm b}sdkmss dkpmrmsps
7/30/2019 HSA Government Review - 2009
25/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 2=
Ceel np phm onrpeek bmcez+
4+ Nooer`dkj pe phm onrpeek# phm pze vecdpdonc vnrpdms nrm
N+ s}vverpdkj phm snam ydmzvedkp ek nk dss}mB+ zerldkj pejmphmr pe secym n knpdeknc vrebcmaO+ s}vverpdkj dss}ms phmt bmcdmym zdcc zdk yepms@+ evvesdkj phm nae}kp ei aekmt phm jeymrkamkp svmk`s
Nkszmrs pe Vecdpdonc Onrpeek ^}mspdeks
>+ O2+ @?+ @0+ O=+ O9+ B:+ N8+ B4+ O
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NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 29
H+_+N Rmcmnsm` ^}mspdeks 266?!6:7 Ohnrp nk` Jrnvh Nknctsds
Ceel np phm ohnrp bmcez+
>+ Zhdoh ei phmsm ds nk miimop ei phm vev}cnpdek ohnkjms shezk ek phm ohnrp5N+ Phm nae}kp ei r}rnc cnk` zdcc dkormnsm+B+ Ceonc jeymrkamkp smrydoms zdcc dkormnsm+O+ Phm pnx rmymk}m irea vmrseknc vrevmrpt zdcc mormnsm+@+ Rmnc mspnpm `mymcevamkp dk phm rmjdek zdcc `mormnsm+
_p}`t phm jrnvh bmcez+
2+ Phm dkieranpdek dk phm jrnvh ds aespct nbe}p
N+ phm moekeado jrezph ei phm oe}kprtB+ phm pnx rmymk}ms ei phm oe}kprtO+ phm vrdoms ei oeks}amr jee`s@+ phm pnrdiis vcnom` ek daverps
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NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 2:
Ceel np phm icezohnrp bmcez+
?+ Bnsm` ek phm dkieranpdek dk phm `dnjrna# zhdoh ei phmsm oekprecs `ems Amxdoe*sKnpdeknc Oekjrmss hnym eymr phm Vrmsd`mkp5
N ympedkj cnzsB rmgmopdkj g}`dodnc nvvedkpamkpsO mcmopdkj phm Vrmsd`mkp@ smcmopdkj vrmsd`mkpdnc onk`d`npms
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28/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 28
Ceel np phm jrnvh bmcez+
0+ Dkormnsdkj phm b}`jmp ier zhdoh ei phmsm vrejrnas ze}c` aesp hmcv phm ]kdpm`_pnpms jeymrkamkp vrmvnrm ier phm prmk` shezk dk phm jrnvh5
N `mimksmB m`}onpdekO seodnc smo}rdpt@ mavcetamkp evverp}kdpdms
Nkszmr pe Jrnvh ^}mspdeks7
>+ B2+ N?+ B
0+ O
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29/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm 24
H+_+N Rmcmnsm` ^}mspdeks 266?!6:7 Hmn`cdkms
Rmn` phm kmzs hmn`cdkm bmcez
>+ Phm hmn`cdkm ds aesp nsseodnpm` zdph zhdoh ei phmsm jencs5N+ pe dkormnsm adjrnpdekB+ pe iera adcdpnrt ieromsO+ pe eymrphrez jeymrkamkps@+ pe spev h}ank rdjhps nb}sms
Rmn` phm hmn`cdkm bmcez+
2+ Zhdoh ei phmsm bmsp mxvcndks phm rmnsek ier phm Im`mrnc Rmsmrym*s nopdek5N+ pe mkoe}rnjm oeks}amrs pe spev svmk`dkj aekmtB+ pe anlm dp mnsdmr ier b}sdkmssms pe berrez aekmt pe mxvnk`O+ pe jdym b}sdkmssms dkomkpdyms pe `mormnsm phmdr vre`}opdek ei jee`s nk`
smrydoms@+ pe vreyd`m aerm i}k`s ier phm im`mrnc jeymrkamkp pe }sm ier mkpdpcmamkp
vrejrnas
Rmn` phm kmzs hmn`cdkm bmcez+
?+ Zhdoh ei phmsm ds n v}rvesm ei phds nopdek bt phm ]kdpm` _pnpms5
N pe `mormnsm phm oesp ei c}abmr
B pe vrepmop phm ]kdpm` _pnpms c}abmr dk`}sprtO pe `mormnsm ]kdpm` _pnpms c}abmr mxverps@ pe nccez ier phm irmm prn`m ei c}abmr
7/30/2019 HSA Government Review - 2009
30/31
NNOV_ t @dydsdek ei O}rrdo}c}a nk` Dkspr}opdek t Eiidom ei _eodnc _p}`dms t Anroh 2664 vnjm ?6
0+ Ncc ei phm mymkps `msordbm` dk phm hmn`cdkms nbeym n``rmss
I rnodnc smjrmjnpdekJ m`}onpdeknc noomss
H }kmavcetamkp dss}msG jmk`mr `dsordadknpdek
Rmn` phm hmn`cdkms bmcez+
=+ Zhnp ds phm dkpmkp ei phm jeymrkamkp nopdeks `msordbm` dk ncc phm hmn`cdkms5
N pe andkpndk v}bcdo snimpt
B pe rndsm pnx rmymk}mO pe rm`}om ordam@ pe andkpndk seodnc er`mr
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Nkszmr ier Hmn`cdkm ^}mspdeks
>+ @2+ B?+ B0+ I
=+ N