This presentation explains to an employer the benefits of the AHR Personalized Benefits Plan for their business and employees. For more information, please visit us at ahr.net

1. Life Is Complicated. Your Company’s
Health Benefits Don’t Have To Be.
Your Name
©American Health Resources, Inc. 2015 – Patent Pending

2. What Is
PERSONAL BENEFITS PLAN?

3.  Employer funds the
benefit plan.
 Each employee is given a
Benefits Savings
Account.
 Funds may be used by the
employee to buy whatever
health insurance and
other benefits they want
and need.
You help the employer set the
BUDGET.
Help each employee
CHOOSE
their own benefits package.
The Personal Benefits Plan Is An Alternative to Group Health Insurance.
IT’S THAT SIMPLE!

4. Here’s How The Personal Benefits Plan Works…
It’s Smart, Simple, and Hassle Free!
1. We will use our ONLINE ANALYSIS TOOL to calculate the costs & savings for each
employee’s health benefits, and give you a true ‘apples to apples’ comparison between group
health insurance and an individual policy solution for your group.
2. Based on that, you decide how much you want to deposit into each employee’s BENEFITS
SAVINGS ACCOUNT with AHR each month.
3. We will meet with each employee one-on-one to help them choose their optimal health
insurance & other benefits they may want.
4. Employees use their Benefits Savings Accounts at AHR to pay for the benefits they choose.
It’s consumer-directed benefits!

5. Personal Benefit Plans are ACA Exempt
Personal Benefits Plans are not
considered a “group health plan” by the
ACA, so complex ACA rules & reporting
mandates are eliminated:
No annual returns to document
healthcare benefits
No Summary Plan Descriptions (SPD)
or CMS Credible Coverage reports
No COBRA
 Benefits Savings Account
deposits are COMPENSATION,
NOT premium reimbursement.
 They can be ADJUSTED to fit the
needs of each individual
employee, because there aren’t
any nondiscrimination
requirements.
ACA EXEMPT MEANS
SIMPLE, FLEXIBLE
& STABLE BENEFITS

6. Personal Benefits Plan: The Smart Alternative to Group Health Insurance
Benefits based on real numbers:
1.Employer’s Budget

7. Personal Benefits Plan: The Smart Alternative to Group Health Insurance
Benefits based on real numbers:
2. Actual Employee’s
Medical Expenses
 Premiums paid by employee
 Out of pocket expenses

8. Personal Benefits Plan: The Smart Alternative to Group Health Insurance
Benefits based on real numbers:
3. Actual Individual
Insurance Premiums
 Plan is designed for the employee’s
needs.
 Individual policies allow for
subsidies.

9. Personal Benefits Plan: The Smart Alternative to Group Health Insurance
Benefits based on real numbers:
4. Financial Support
 Premium Tax Credits
 Cost Sharing Reductions

10. Personal Benefits Plan: The Smart Alternative to Group Health Insurance
Benefits based on real numbers:
5. Alternative Coverage
Options
 HSA’s
 Cafeteria Plans (FSA’s)

11. Personalized ‘Concierge’ Service
Expert help makes choosing insurance easy. Each employee gets a Personal Benefits
Advocate who will help them choose their optimal coverage, based on their own unique
needs:
 Out-of-pocket expense & premium limits
 Special kinds of coverage they may need
 The doctors & hospitals they want
 The insurance companies they prefer
It’s health insurance with a human touch, making benefits
choices simple, pleasant & easy for your employees.

12. Personal Benefit Plans are a Better Solution.
Employee Satisfaction & Retention
Retain your top talent! Employees overwhelmingly prefer to choose their own Personal
Benefits Packages over group health insurance.
Plan Stability & Simplicity
Once your clients shift to a Personal Benefits Plan, their benefits problem is solved. They
don’t have to worry about group health insurance again.
Cost Efficiency & Effectiveness
Personal Benefits Plans are more cost efficient, & provide insulation against insurance
rate increases. For most employers, these plans cost substantially less than group health
insurance.

13. Employee Satisfaction and Retention
Out of Pocket
Costs?
In network
Doctors?
Premium Cost?
Insurance
Company?
REAL TIME information and reporting
 Online through our website
 Call AHR and we will help you
Each employee will have the
guidance of an expert healthcare
advocate to help them choose their
optimal coverage.
Decisions on cost for out-of-
pocket expenses & premiums
Decisions on type of coverage
they want, with doctors &
hospitals they like, and with
companies of their preference.
Deductible?Hospital?

14. Employee Satisfaction and Retention
A variety of
compliant health
plans to choose
from with the help of
an expert to make it
all very simple for
you.
Infinite flexibility
 We offer HSA’s and FSA’s
 Our new BENEFITS SAVINGS
ACCOUNT is like no other in
the industry
 Free Wellness Planning for a
healthier workforce

15. Employee Satisfaction and Retention
That’s what benefits are all
about. A Benefits Savings
Account lets employees
choose the benefits they want,
so, they will be more satisfied!
They choose their own health
insurance, and may choose less
expensive coverage so they
have money left over for:
 Co-pays and deductibles, & anything not covered
by their insurance
 Life, accident, disability, dental, vision, critical
illness policies
 Gym memberships or home exercise equipment
 Any kind of health, recreational or nutritional
product or service
 Tuition and educational expenses
 They can save their money for retirement, a new
car, a down-payment on a home, emergencies or
any other use.
 Or not. It’s their choice.
See why Benefits Savings Accounts make so
much sense?

16. ..Especially for Lower Income Employees
Offering Group Health Insurance
may actually hurt your lower
income employees.
 They lose eligibility for
subsidies and cost-sharing
reductions
 Group health insurance often
costs more than individual
policies
 May have higher out-of- pocket
medical expenses. ©American Health Resources, Inc. 2015 – Patent Pending
A Personal Benefits Plan
eliminates this problem,
because it’s not
considered a ‘Group Plan’
by the ACA.
Your employees may
become eligible for Federal
subsidies & cost-sharing
reductions.

17. Plan Stability and Simplicity
Personal Benefits Plans
are far more stable than
group health insurance,
because you can adapt
them as needed without
disrupting anyone’s health
insurance policy.
Adjust the dollars, not the
insurance.
Personal Benefits Plans are not
considered a “group health plan” by the
ACA, so complex ACA rules and
reporting mandates are eliminated:
 No annual returns to document
healthcare benefits
 No Summary Plan Descriptions
(SPD) or CMS Credible Coverage
reports
 No COBRA ACA exempt means simple & stable!

18. More Cost Efficient and Cost Effective.
Federal Protection In The
Individual Market
If an insurance company
overcharges for health insurance
on the individual market, they must
return the excess premiums to the
consumer. This is one of the
reasons why premiums are typically
lower on the individual market than
they are for group policies.
Alignment of Incentives
By providing a Benefits Savings
Account, two additional opportunities
of savings occur:
You eliminate waste
Now, it’s their money, and they will
use it wisely to buy what they actually
need.
You eliminate excess
enrollment
Dual coverage and unnecessary
enrollment is gone.

19. Why Personal Benefits Plans are More Cost Efficient and Cost Effective.
You no longer have to buy a
health policy for your whole
group based on the sickest
person in your group.
Personal Benefit Plans are scalable,
meaning that you can set the amount
you deposit into each persons’
Benefits Savings Account depending
on their individual needs. There
are no discrimination rules, so you can
do what makes sense for each
person, and your business.
Federal Subsidies: Premium tax
credits and cost sharing reductions
that reduce out-of-pocket medical
expenses do two important things:
 They reduce premiums now
 They insulate you from premium
increases in the future, because
subsidies are based on income,
not insurance premiums

20. Let AHR get you out of this dynamic...
 Have increased over 172% over
the last 15 years.
 Increased FASTER than inflation.
 It’s the fastest growing expense
faced by businesses to date.
Group Health Insurance Premiums:
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual
Inflation (Apr. To Apr.), 1999-2012; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2012 (Apr. to Apr.).

21. …And Simplify Your Life.
HAVE A PRO MANAGE YOUR BENEFITS
We help you set a budget, & we take care of the rest.
Benefits simplified.
Reduce or eliminate future rate increases.
Never go through the turmoil of changing health plans
again!
Single Check Solution: write 1 check to AHR, & we
pay all of the voluntary & other related employee
benefits for you.
Eliminate the administrative & regulatory hassles of
having a group plan. No COBRA, no reporting, no
worries.
And most important: Employee satisfaction.
Everyone gets what they want, and
you no longer have to choose for
them!

22. To Get Started, This Is What We’ll Ask Your Employees

23. This Is What We Will
Show You
An “apples to apples”
comparison between the cost
of your current group health
insurance, including employee
out-of-pocket expenses, & the
cost of a
Personal Benefits Plan.

24. AHR Provides Comprehensive Value To You & Your Employees
©American Health Resources, Inc. 2015 – Patent Pending
KEY ANALYSIS & GUIDANCE
The PBP Analysis tool is HOW you analyze the whole picture, including:
 Group vs. Individual
 Impact of additional income on subsidies
 Actual tax effects, based on real effective income tax rates
 Employee out-of-pocket medical expenses
Give your prospect an ‘apples to apples’ comparison to group health insurance, &
determine HOW MUCH to give each employee, net of taxes, while maintaining
HIPAA compliance & financial confidentiality.

25. AHR Provides Comprehensive Value To You & Your Employees
©American Health Resources, Inc. 2015 – Patent Pending
IMPLEMENTION & SUPPORT
EDUCATE & HELP with individual policies on the exchange.
MANAGE new enrollments, changes, terminations.
Help employers REBALANCE compensation at plan renewal dates .

26. AHR Provides Comprehensive Value To You & Your Employees
©American Health Resources, Inc. 2015 – Patent Pending
REGULATORY COMPLIANCE
The RULES for group plans are complex & the PENALTIES for noncompliance are
severe.
AHR makes sure their plan stays compliant.

27. AHR Provides Comprehensive Value To You & Your Employees
©American Health Resources, Inc. 2015 – Patent Pending
PLAN ADMINISTRATION
PROVIDE HSA’s or FSA’s:
These are often part of the solution in a consumer-directed benefits plan.
MONITOR health plans & out-of-pocket costs to ensure that additional
compensation is adequate and appropriate.

28. We’ll provide the analysis for free,
so that you can make an informed
decision.
If you choose to move forward, we
will help each employee make the
transition and provide expert,
ongoing support .
There is no downside.
 This information will help you to
choose the most cost-effective way
to provide employee benefits.
 Regardless of what you decide to
do, at least you will know you’ve
made an informed decision.
©American Health Resources, Inc. 2015 – Patent Pending

29. AHR Is Committed To Our Clients
AHR takes more care of small & mid-market clients than any other provider,
offering a personalized ‘concierge’ benefits experience that includes a
unique combination of technology innovation, expert advice (from specially
trained independent insurance brokers) & dedicated customer service. This
gives our clients and their employees the freedom to choose the most
personalized and hassle-free benefits plan for them and their employees.
We’ve been helping employers for over 20 years, and our passion is making
benefit choices simple, pleasant and easy for both you and your employees.

30. Thank You!
Broker Contact Information
Health Insurance with a Human Touch.