This is the full 1 hour CE presentation given to the Treasure Valley Association of Health Underwriters on the Idaho MSA program in it's entirety. It covers how an Idaho Medical Savings Account benefits several different demographics and perspectives. The first demographic addressed is the individual or the employee. This section simply covers, "What is the Idaho MSA?" How does it work? How much can you contribute? What can you spend the money on? Who can have one, etc. The second demographic addressed is the employer group. This section answers the questions, "How would an employer implement this as a benefit structure for their employees?" What is the cost? Does it work with existing plans, or does it have to replace what is currently in place? Can it work with an FSA or HSA? How much does an employer have to contribute? Is it subject to ERISA? Are there comparability rules, etc. The third and final section addresses the agent, CPA or financial planner and explains how offering this product to their individual clients and employer groups will grow their business. This section also covers the role American Health Value has in this process and with their clients throughout the time their Idaho Medical Savings Account is open.

1. From: American Health Value
Presented By: Adam Berry
Learn how the new & expanded Idaho MSA Program
will help you increase your reach, reduce attrition
and generate new revenue...all while
helping your clients in the process!

2. AHV Company Background
 National HSA Administrator
 Founded in 1996
 Privately Held
 Located in Boise, ID
 HSA Clients in 49 States
 Historically, Focused Solely on HSAs
◦ No COBRA, FSA, HRA, Insurance or Banking
 PPACA Prompted Investigations

3. Idaho MSA Background:
 Around Since Mid 1990’s
◦ They Have Longevity…
 Idaho 1 of Only 3 States
◦ Setting National Precedent…
◦ Incredibly Flexible, For Everyone…
 Yet, MSAs Almost Non-Existent
◦ Sitting around collecting dust
◦ Nobody knows about them
◦ Why is that?
 House Bill 595
◦ Made them relevant again
◦ Now a viable option to help people, if done properly

4. Introducing the New “Idaho MSA”
 “Idaho MSA” is a Collaboration
◦ Local Administrator, Local Bank
◦ American Health Value & IIB
 Built on Each Company’s Strengths
◦ AHVs Strengths:
 Benefit administration, customer service, education
& consulting
◦ IIB’s Strengths:
 Statewide branches, local familiarity, banking services
 Main Purpose to Help Idahoans
◦ Provide quality guidance, assistance, compliance & banking
 Help people both understand & maximize their MSA!

5. What is an Idaho MSA?
 Special Savings Account with Tax Benefits
◦ Set Money Aside Tax-Free for Healthcare
◦ Reduces Taxable Income Dollar for Dollar
 Triple Tax Advantage
◦ Tax-Free Going In (reduces taxable income)
◦ Earns Tax Free Interest While it Sits
◦ Spent Tax-Free Going Out
 Money Rolls Over Towards Retirement
◦ No Use it or Lose it
◦ Pull it Out at 59.5 as Retirement Income
◦ Or Continue Paying Qualified Expenses
 That may look familiar…
This is where it gets interesting!

6. Who Can Have An MSA?
 Almost Anybody!
 No Insurance Requirements!
◦ HDHP, PPO, Medicare, Uninsured
 No Employment Requirements!
◦ FT, PT, Medicare, Seasonal
◦ Even the Unemployed
 No Age Restrictions!
◦ Even Medicare Enrollees Qualify
 Veterans, too!
◦ No exclusions for VA Benefits or Tricare
 Truly Designed to Help Everyone!

7. How Much Can You Put In?
 Quite A Bit!
 Single Filing Status:
◦ Up to $10,000
 Joint Filing Status:
◦ Up to $20,000
 House Bill 595
◦ March 28th, 2014
◦ Increased limits from $2k & $4k
 Funding Based on Calendar Year
◦ Fund a little, or a lot – Up to you
 Unspent Funds Roll Over Each Year, Building A Nest Egg
◦ Use like an IRA & pull money out for retirement (age 59.5)
◦ Or leave in & spend on inevitable medical expenses

8. What Can You Spend it On?
 “Qualified Medical Expenses”
◦ Doctor’s Visits, Co-Pays & Prescriptions
◦ Hospital Bills, Dental & Vision
◦ Band-Aids, Chiropractor
◦ Even Insurance Premiums!
 Yes, You Can Pay Premiums!
◦ Health Insurance Premiums
◦ Medicare Premiums
◦ LTC Premiums, too!
 Debit Card & Checks
◦ No Claim Submission, Keep Receipts
◦ Pay at Point of Service, or Reimburse
 If You’re Paying Your Own Premiums…
Why Wouldn’t You Open One??

9. To Sum It All Up…
 Savings Account for Healthcare
 Reduces State Taxable Income
 No Insurance or Age Restrictions
 Deposit $10,000 or $20,000
 Pay for common healthcare costs
 Insurance Premiums, too!
 Spender or Saver – Works for both.
For many Idahoans, this really is a no-brainer!

10. What About Employer Groups?
The Idaho MSA is an Excellent Benefit Option!
 Flexible & Fits All Employer Shapes/Sizes
 Employer Finally Controls the Cost
 Works with Existing Structures, Or Replaces Them
 Easy to Understand, Effortless to Implement & Inexpensive to Maintain!

11. One Size Finally Fits All
 Works for All Employee Demographics
◦ Full & Part-Time
◦ Veterans
◦ Medicare Enrollees
◦ Even the Seasonal, or Uninsured!
 Works for All Shapes/Sizes
◦ Large or Small Groups (± 50)
◦ Follow PPACA, Then Add the MSA
 Not a Federal Program, so
◦ No ERISA Requirements
◦ No Tax Reporting
◦ No Claims Administration
◦ No Comparable Contributions
 Flexible to Fit Any Employer Budget!

12. Employer Controls the Cost
They Can Simply Fund What’s Comfortable:
 Just Offer On a Voluntary Basis
◦ Elective, Employer Pays Nothing
 Sponsor Accounts, No Contributions
◦ Employer Covers Annual Fee, Nothing More
 Sponsor Accounts with Contributions
◦ Employer Covers Annual Fee
◦ Funds the MSAs However They See Fit
 Full or Partial Funding
 Remember, No Comparability Rules
 Can Start & Stop As They See Fit

13. Use as Add-On, or Replacement
 Works with Any Existing Benefit Plan
◦ HSA, FSA, You Name It
◦ Fits On Over the Top
◦ Just Subtract the HSA/FSA
◦ Nice Additional Benefit
 Pay Premiums, or Costs Over FSA Cap
 Save/Invest HSA, Don’t Spend It
 Replace Existing Benefit Plan
◦ Send employees to exchange
◦ Fund MSAs at Any Level
◦ Help w/ premiums, providing a benefit
◦ No longer hassling with insurance
◦ Employer now controls cost & can budget
◦ No longer waiting for premium hikes

14. Upgrade for Everyone Involved
No Matter What, Everyone Wins
 Employees Get:
◦ An MSA!
◦ Plus Upgraded Benefits
◦ Either Additional or Replacement
 Employers Get
◦ Happy Employees
◦ Some Control Over Costs
 Agents Get
◦ Happy Clients!
◦ Continued Business
◦ New Referrals
 Flexible, Simple & Inexpensive Benefit Solution!

15. What Does That Mean to You?
Use the Idaho MSA’s Flexibility to Grow Your Business
 Increase Your Reach & Gain New Business
 Generate More Revenue (Through Multiple Avenues)
 Be Your Client’s Hero - Reduce Attrition, Gain Referrals, Help People!

16. Increase Your Reach
Use the MSA’s Flexibility to Reach More People
 Something for Everyone You Touch
◦ Cross-Sell your entire book of current business
 Pick the Low Hanging Fruit
◦ All previous leads you couldn’t service
◦ New reason to re-approach lost business
◦ Host Public Seminars/Webinars
◦ Never an unqualified lead
 Foot in the Door to Employers
◦ Works for all employees
 FT, PT, Seasonal, Medicare
◦ Easily add to any existing benefit structure
 Referrals from Happy Clients
◦ Happy clients send referrals, and they stay put!

17. Reduce Client Attrition
Happy Clients Are the Key to Long-Term Success!
 Staying Current or Ahead of the Curve
◦ What You’re Paid to Do
◦ Offering Tangible Value
◦ This Leads to Very Happy Clients
 Happy Clients Stay Put
◦ Easy Maintenance on Low Hanging Fruit
◦ Residual Income
 Happy Clients Send Referrals
◦ New Business & Growth
 Happy Clients Have Strong Dependency
◦ Strengthen Those Relationships
If you’re not offering this to your clients, someone else will!

18. Generate Revenue
The Idaho MSA Offers 3 Ways to Generate Revenue
 Helping to Maintain Current Business
◦ Proving Worth
◦ Offering New Value
◦ Reducing Attrition
◦ Simple Residual Income
 Helping to Create New Business
◦ Mine Current Database & Cross-Sell
◦ Service Previously Unqualified Leads
◦ Gaining Quality Referrals
◦ Outreach to General Public
 We Pay You Commissions!
◦ New Revenue Stream
◦ We’ll Pay You to Build Your Business
◦ Commissions Paid Monthly & Residual
◦ Why Would Anyone Close an MSA??
◦ Easy to Sell, Everyone’s Qualified, Nobody Closes
◦ Creates Strong, Continual Income Stream
 You’re Not Losing Money, Either!
◦ No Cross-Selling Your Products

19. How We Can Help:
 We Handle The Marketing!
◦ Educational Handouts, Infographics & Videos
◦ Can Be Branded to Your Agency
◦ On-Site Training for Agents/Agencies
◦ On-Site Education for Employers/Employees
◦ Custom Agent URLs for Commissions
◦ Email Campaigns, Seminars, You Name It!
 We Do the Heavy Lifting!
◦ You Don’t Need to Be An Expert
◦ Simply Direct Clients to Our Office
 Web, Phone, Email, Chat, Walk-Ins
◦ You’re Not Fielding MSA Calls
◦ Always Kept in the Loop
 Simple And User-Friendly
◦ For You & for Your Clients
◦ Resourceful Website
◦ No Phone Trees
◦ Use Our 18+ Years of Experience

20. Healthcare Discount Program
 Totally Free for Our Members
 Save up to 65% on:
◦ Prescriptions
◦ Dental Costs
◦ Vision Care
◦ Doctor’s Visits
◦ Medical Lab Testing
◦ + 5 more programs!
 Excellent Statewide Coverage
 Take Advantage of this Discount Card
& Maximize your healthcare savings!

21. What Are the Next Steps?
 Register as an Agent
◦ Assign Broker ID
◦ Custom URL
◦ Welcome Packet
 Enrollment Forms
 Initial Marketing Materials
 Promote the MSA
◦ Work Together to Pick Methods
◦ Design Materials
 Email Campaign? Seminar?
◦ Get the Word Out!
 Grow Each Other’s Business, Together!
◦ Agents Are Our Lifeblood
 Access to Client Base
 We Protect Them from Cross-Selling
◦ We Can Help Each Other Grow
 Providing A Product that Helps Idaho

22. From: American Health Value
Presented By: Adam Berry
Contact Me for Questions,
Agent Registrations or Client
Enrollments:
Phone: (208) 331-0676
Email: A.Berry@IdahoMSA.com
Website: www.IdahoMSA.com