Hsa Hra Fsa Powerpoint

Strategies for Reforming the Private Health Insurance Market Janet Trautwein Vice-President of Government Affairs National Association of Health Underwriters

Dealing with Rising Costs ,[object Object],[object Object],[object Object]

Health Savings Accounts (HSAs) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Health Savings Accounts (HSAs) ,[object Object],[object Object],[object Object],[object Object]

Important Information on the Deductible ,[object Object],[object Object],[object Object]

More on the Deductible ,[object Object],[object Object],[object Object]

More on Qualified High Deductible Health Plans ,[object Object],[object Object],[object Object],[object Object],[object Object]

New Guidance from March 30, 2004 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

New Guidance from March 30, 2004 ,[object Object],[object Object],[object Object]

New Guidance from March 30, 2004 ,[object Object],[object Object]

Contributions to HSAs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Contributions to an HSA ,[object Object],[object Object],[object Object],[object Object]

Contributions to an HSA ,[object Object],[object Object],[object Object],[object Object],[object Object]

More on contributions to an HSA ,[object Object],[object Object],[object Object]

Distributions from an HSA ,[object Object],[object Object],[object Object],[object Object]

More on Distributions ,[object Object],[object Object],[object Object]

Employer Contributions and Discrimination Rules ,[object Object],[object Object],[object Object],[object Object],[object Object]

Employer Contributions ,[object Object],[object Object],[object Object],[object Object]

What are Qualified Expenses? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Qualified Medical Expenses ,[object Object],[object Object],[object Object],[object Object]

Putting Together an HSA ,[object Object],[object Object],[object Object],[object Object]

How will HSAs impact health insurance markets? ,[object Object],[object Object],[object Object],[object Object]

Health Reimbursement Accounts (HRAs) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

How will HRAs impact insurance markets? ,[object Object],[object Object],[object Object],[object Object]

How Do These Plans Work? Health Reimbursement Account $1,000 annually Bridge or Gap $500 annually Health Insurance Policy $1,500 deductible annually, then 90% coverage in network and 70% out of network for the next $10,000 in expenses, 100% for remainder for balance of year

Design Considerations ,[object Object],[object Object],[object Object],[object Object]

Design Considerations ,[object Object],[object Object],[object Object]

Actual Drug Costs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Here is another family: The Jones Family ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Plan Design Considerations ,[object Object],[object Object],[object Object]

Design Considerations ,[object Object],[object Object],[object Object],[object Object],[object Object]

Plan Design Considerations ,[object Object],[object Object],[object Object],[object Object]

Do we still need FSAs? ,[object Object],[object Object],[object Object],[object Object]

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