October 15th is HSA Awareness Day! For brokers and benefit administrators to learn how to control rising medical costs and save for retirement through HSAs.

1. Introducing National HSA Day

2. Agenda
• America’s Need for HSAs
• HSA Market Overview
• HSA Day – What is It?
• How to Get Involved
• Q&A and Next Steps

3. Healthcare
spending now
accounts for
18 percent of
the nation’s
gross
domestic
product,
having
reached $3.5
trillion in
2017—or
$10,739 per
person.
As a result of
health
spending
outpacing the
growth of the
U.S. economy,
fear of
medical
bankruptcy is
starting to
have a real
impact on
Americans’
psyche.
Nearly twice
as many
employees
are stressed
about their
finances than
are stressed
about their
jobs,
according to
one annual
industry
survey.
Of concern, a
quarter of
the workers
we surveyed
told us they
regularly
forgo
healthcare
services due
to associated
out-of-
pocket
expenses.
America is Calling in Sick
Escalating healthcare costs are having a devastating effect on Americans’ financial health preparedness.
Peterson-KaiserHealthSystemTracker, “Howhas U .S . spending on healthcarechanged over time?”Dec . 10, 2018

4. Confusion Among Consumers
• By the time consumers get to the ancillary benefits, their
intellectual and emotional energy has been expended.
• The best-educated and empowered consumers are those
who are already enrolled in an HDHP.
• The learning curve for recent CDHP enrollees is steep,
especially in the first few years.
• Workers communicated that they have insufficient tools to
evaluate new healthcare benefits scenarios throughout the
plan year.
• Some consumers are so frustrated by the decision-making
process that they’ve become apathetic toward open
enrollment.

5. HSAs: Guilty by Association?
It doesn’t help that FSAs, which provide tax breaks and
are typically available within any plan, and HSAs, which
provide tax breaks and are only offered in combination
with HDHPs, are often mixed up .
“[HSAs are] like the flu shot—you
don’t really know what it’s doing, but
you get it and just hope that it
actually works .”
“I think that Health Savings
Accounts are complex and
complicated.”
"Is this the one where
you 'use it or lose it?"
Because HSAs are tied to the ominously named “high-deductible health plan,” they have gotten a bad rap.

6. Proprietary & Confidential | ©2019 WEX Health, Inc. 6
• 30% believe HSAs are “use-it-or-lose-it” accounts
(they’re not)
• 40% think funds in FSAs can be invested (they can’t)
• Many think of HSAs as spending accounts only
• Many say HSAs and FSAs are “not for someone like
me”
• Many think FSA/HSA funds can only be used for
doctor visits
THE
SOLUTION?
There is a Real Need to Educate

7. Proprietary & Confidential | ©2019 WEX Health, Inc
Introducing…
October 15th, 2019
National HSA Awareness Day is a nation-wide call-to-action to educate the
American public about the benefits of an HSA to achieve financial wellness
and alleviate the burden of rising healthcare costs.

8. • An HSA is a tax-advantaged account for the purpose of paying for
eligible medical expenses
• Not employment based
• Allows contributions by the employer and employee
• Annual contribution limits
• 2019: HSA holders can choose to save up to $3,500 for an individual and $7,000 for a family
(HSA holders 55 and older get to save an extra $1,000 which means $4,500 for an individual and
$9,000 for a family) – and these contributions are 100% tax deductible from gross income.
• HSAs are available only to individuals with qualifying High Deductible
Health Plan (HDHP) coverage
• Not available to those receiving benefits under Medicare
What is an HSA?

9. Proprietary & Confidential | ©2018 WEX Health, Inc.
9
How Fast Are HSAs Growing?
Where Should Millennials Put
Their Next Retirement Dollar?
$4,000
Contribution
with Taxes
Applied
Account
Balance
in 15
Years
HSA $4,350 $93,867
401k $4,350 $79,787
Roth
IRA
$3,263 $70,400
Regular
Savings
$3,263 $70,400
Sources: U.S. Department of Labor, Pension Benefit Guaranty Corp., EBRI, Aite Group, BenefitsPRO Broker Expo

10. Proprietary & Confidential | ©2018 WEX Health, Inc.
Total HSA Assets Continue to Grow
1
• Total assets today
estimated to be
$51.4B
• in 2020, growing
to estimated
$74.7B
• in 2020, estimated
investments
$16.7B
Source: Estimates derived from 2018 Midyear Devenir HSA Market Survey, press releases, previous market research and market growth rates

11. Proprietary & Confidential | ©2018 WEX Health, Inc.
HSA Growth Opportunity
5/8
NOTES: CDHP is consumer-directed health plan, which is a high deductible health plan (HDHP) with a health savings account (HSA).
HDHP no HSAis a high-deductible health plan without an HSA. The individual components of HDHPs may not add up to the total due to
Rounding. Data are based on household interviews of a sample of the civilian noninstitutionalized population.
SOURCE:: NCHS, National Health Interview Survey, 2010–2018, Family Core component.

12. $2BILLION
HSA Addressable Market
$6BILLION
2019 2024
Continued Account Growth @ 15% AGR
2020 2021 2022 2023
IncreasingConsumerAdoption
Contribution,Balances

13. Why Participate in HSA Day?
Each year, millions of consumers are offered the option of putting a
portion of their pretax dollars into a health savings account (HSA). These
funds can be used to pay for expenses related to ongoing medical
conditions, as a safety net for unexpected healthcare expenses or used as
an additional tool for retirement planning. Unfortunately, many workers
aren’t taking full advantage of this offering, and some do not even know it
exists. Others find HSAs to be confusing and complex. We’re here to help!

14. How to Get Involved
#LOVEMYHSA

15. On October 15th, Join the Live Broadcast!

16. Thank you!