The document discusses the Idaho MSA program, which allows individuals to save money for healthcare expenses in a special savings account with tax benefits. Key points include: - The Idaho MSA program allows individuals to deposit up to $10,000/$20,000 annually (single/joint filing) into a savings account to pay for healthcare costs tax-free. - Funds can be used to pay for a wide range of medical expenses including insurance premiums, and unused funds roll over year to year. - Contributions reduce an individual's Idaho taxable income dollar for dollar, providing a triple tax advantage. - The program is open to almost anyone regardless of insurance or employment status, with no

1. From: American Health Value
Presented By: Adam Berry
Learn how the Idaho MSA Program will
help you save money on healthcare,
reduce your Idaho taxable income &
help you plan for your future!

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 into Idaho MSA Program

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
 Main Goal to Help People Understand &
Maximize Their Medical Savings Account!

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. So, Who Does This Help?
 Anyone Who Files an Idaho Tax Return
 More Specifically...
◦ Anyone on Medicare
 Especially income-based
 Reimburse from what’s taken
◦ Anyone who pays their own premiums
 Simply pay from different account
 Write it all off first dollar
◦ Anyone with significant out-of-pocket
medical expenses
 Personal, spousal, or children’s expenses
◦ Anyone with RMD’s
 401k, IRA, etc. – Why pay State taxes? Divert into MSA
Almost Nobody Hits the 10% Medical Threshold!
Even if you do, what about that first 10% you can’t deduct?

8. 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
◦ Or leave in & spend on inevitable medical expenses

9. How Do You Fund Your MSA?
 Using A Debit/Credit Card
◦ From our website, one-time or recurring
◦ Call our office, one-time or recurring
 Mailing A Physical Check
◦ Send it to our office, we’ll deposit it
 Using Bill Pay (If Applicable)
◦ From existing checking account
◦ Set up bill pay to your Idaho MSA
◦ One-time, or recurring
 Walking Into Any Bank Branch
◦ Find an Idaho Independent Bank branch near you!

10. 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??

11. How Do You Get the Savings?
 When You File Your Idaho Tax Return
◦ Idaho Supplemental Schedule 39R
 You Fill Out:
◦ Total Annual Contributions
◦ Interest Earned
◦ Financial Institution
◦ Account Number
 Dollar for Dollar Deduction
◦ Carry over to form 40, Line 10
◦ Take Your Deduction
 That’s It!

12. 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!

13. We Are Your MSA Resource!
 Education Is Key!
◦ Handouts, Infographics & Videos
◦ On-Site Education for Employers/Employees
◦ Help Everyone Understand Their Benefit!
 Questions? We’ve Got Answers!
◦ You Don’t Need to Be An Expert
◦ Simply Contact Our Office
 Web, Phone, Email, Chat, Walk In
◦ We’ll Handle Everything For You
 Simple And User-Friendly!
◦ Resourceful & Intuitive Website
◦ Easy-to-Access Forms & Deposits
◦ No Phone Trees
◦ Use Our 18+ Years of Experience

14. Our Relationships, Your Benefits
 Law firm of Holland & Hart
◦ Worked together to format the Idaho MSA
based on ACA employer guidelines and
regulations governed by the following
agencies:
 IRS
 US Treasury
 Department of Health & Human Services
 Department of Labor
 Idaho State Tax Commission
◦ Routinely collaborate to receive answers
and guidance on client account issues to
ensure compliance.
 Idaho State Legislators
◦ Open and ongoing communication with
lawmakers to both evaluate and expand the
Idaho MSA program to better suit Idahoan’s
needs, statewide.

15. 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!

16. From: American Health Value
Presented By: Adam Berry
• Phone: (208) 331-0676
• Email: info@IdahoMSA.com
• Website: www.IdahoMSA.com
All Questions & Concerns: