The document discusses the Idaho MSA program, which allows individuals to set aside pre-tax income in a special savings account to pay for qualified medical expenses. Key points include: MSAs provide a triple tax advantage by allowing tax-free contributions, earnings, and withdrawals for medical costs; anyone can open an MSA regardless of insurance or employment status; individuals can contribute up to $10,000 or $20,000 annually depending on filing status; and funds can be used to pay expenses like premiums, copays, dental, and vision costs. The presenter encourages agents to offer MSAs to clients to help grow their business through increased reach, reduced attrition, and generated revenue from commissions.

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

2. Idaho MSA Background:
 Around Since Mid 90’s
 Yet MSAs Almost Non-Existent
 Idaho 1 of Only 3 States
 Local Administrator, Local Bank
 Build on Our Strengths
 Help Idahoans

3. 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
 Designed to Help Every Idahoan!

4. 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

5. How Much Can You Put In?
 Quite a bit!
 House Bill 595
 Single Filing Status:
◦ Up to $10,000
 Joint Filing Status:
◦ Up to $20,000
 Based on Calendar Year
 Retroactive to January 1, 2014

6. What Can You Spend it On?
 “Qualified Medical Expenses”
◦ Doctor’s Visits, Co-Pays
◦ Hospital Bills, Dental & Vision
◦ Band-Aids, Chiropractor
◦ Even Insurance Premiums!
 Yes, You Can Pay Premiums!
◦ Health Insurance Premiums
◦ Medicare Premiums
◦ LTC Premiums, too!
 If You’re Paying Your Own
Premiums, Why Wouldn’t You Open One??

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

8. 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

9. Increase Your Reach
Use the MSA’s Flexibility to Reach More People
 Something for Everyone You Touch
◦ Your entire book of current business
 Low Hanging Fruit
◦ All previous leads you couldn’t service
◦ Host Public Seminars/Webinars
◦ Never an unqualified lead
 Foot in the Door to Employers
◦ Works for all employees
 FT, PT, Seasonal, Medicare
◦ Add to any existing benefit structure
◦ Even replace existing structure entirely
 Employees to exchange, fund their MSAs
 Referrals from Happy Clients
◦ Happy clients send referrals, and they stay put!

10. 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.

11. Generate Revenue
The Idaho MSA Offers 3 Ways to Generate Revenue
 Maintaining Current Business
◦ Proving Worth
◦ Offering New Value
◦ Gaining Quality Referrals
◦ Reducing Attrition
◦ Simple Residual Income
 Creating New Business
◦ Mining Current Database
◦ Outreach to General Public
 We Pay You Commissions!
◦ New Revenue Stream
◦ We’ll Pay You to Build Your Business
◦ 20% of the $36 Annual Fee per MSA
◦ Commissions Paid Monthly on New MSAs
◦ It’s Also Residual!
 You’re Not Losing Money, Either!
◦ No Cross-Selling Your Products

12. How We Can Help:
 We Handle The Marketing!
◦ Educational Handouts & 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

13. 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

14. Thank You for
Attending!
From: American Health Value
Presented By: Adam Berry
Contact Me with Questions:
Phone: (208) 331-0676
Email: A.Berry@IdahoMSA.com
Website: www.IdahoMSA.com