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© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 2
Forward-‐Looking Statement This presenta@on may include forward-‐looking statements related to the future business and financial performance of Benefi+ocus and future events or developments involving Benefi+ocus. These statements may be iden@fied by words such as “expects,” “looks forward to,” “an@cipates,” “intends,” “plans,” “believes,” “seeks,” “es@mates,” “may,” “might,” “will,” “could,” “would,” “should,” “targets,” “projects” or words of similar meaning. Forward-‐looking statements can involve a number of risks and uncertain@es that could cause actual results to differ materially from those explicit or implicit in the forward-‐looking statements, including fluctua@ons in those results, general economic risks, management of growth, the need to innovate and deliver useful products and services, our ability to compete effec@vely, reliance on key personnel, privacy, security, regulatory changes, and other risks associated with our business as set forth from @me to @me in our filings with the SEC. Some of the products and/or product features discussed in this presenta@on may be works in progress and not yet generally available for sale. Benefi+ocus assumes no obliga@on and does not intend to update any forward-‐looking statements.
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 4
excise tax on high-‐cost health plans when exceeds a designated annual limit
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 5
for individual coverage
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 7
Applies to Both Fully Insured Carriers & Self-‐Funded Plans
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 8
May be passed on via employer’s ASO contractor
The cost must be borne by employer if plan is self-‐administered
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 9
To slow the rate of growth of health costs
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 10
Finance the expansion of health coverage – Congressional Budget Office es@mates $111 billion
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 11
Make companies and workers more cost-‐conscious
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 12
FSA the amount of an employee's salary reduc@on contribu@on (capped at $2,500)
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 13
HSA employer and employee contribu@ons that are made on a pre-‐tax basis (afer-‐tax employee contribu@ons are not)
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 14
HRA since these are 100% employer funded, the en@re amount of the HRA
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 15
of large employer plans will be subject to the Cadillac tax in 2018.
© 2015 Benefi+ocus.com, Inc. All Rights Reserved | Confiden@al & Proprietary 16
Scale back health benefits offerings Ending employer AND employee contribu@ons to tax-‐free flexible spending and health savings accounts