The Idaho MSA for Individuals & EmployeesAdam Berry
Learn about how an Idaho Medical Savings Account will help you reduce your State taxable income, save money on your healthcare costs and plan for your future!
Learn how the new & expanded Idaho MSA Program will help upgrade your benefit package, while saving both the company and its employees money on healthcare costs!
Learn how you can make your dollars go further and reduce your out-of-pocket costs for qualified health care expenses and insurance premiums, take more control over health care spending decisions and benefit from significant tax savings when enrolling in a Health Savings Account (HSA).
A brief description of how using an HSA in conjuction with a qualifed major medical HDHP can help control premiums and put you the consumer back in control of your healthcare dollars. Currently 9 million people enrolled in an HSA qualified plan.
The Idaho MSA for Individuals & EmployeesAdam Berry
Learn about how an Idaho Medical Savings Account will help you reduce your State taxable income, save money on your healthcare costs and plan for your future!
Learn how the new & expanded Idaho MSA Program will help upgrade your benefit package, while saving both the company and its employees money on healthcare costs!
Learn how you can make your dollars go further and reduce your out-of-pocket costs for qualified health care expenses and insurance premiums, take more control over health care spending decisions and benefit from significant tax savings when enrolling in a Health Savings Account (HSA).
A brief description of how using an HSA in conjuction with a qualifed major medical HDHP can help control premiums and put you the consumer back in control of your healthcare dollars. Currently 9 million people enrolled in an HSA qualified plan.
This presentation provides an overview of eligibility for government financial assistance programs through Covered California and provides instructions for enrolling in a Covered California health plan.
Social Security Disability Insurance (SSDI) and Supplemental Security Income ...mitoaction
Please join us on Friday, August 7, 2015 as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include:
Overview of SSI and SSDI programs;
The differences between SSI and SSDI;
Social Security’s definition of disability as it pertains to mitochondrial disease;
How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts;
The application and appeals processes for SSI and SSDI;
Resources available to support SSI and SSDI applications and appeals processes;
Information on SSI and SSDI benefits for adult disabled children;
Returning to work after obtaining social security benefits (the "Ticket to Work Program");
Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and
The benefits of professional representation and how to evaluate representation options.
8 questions to ask your financial adviser - From ProAdviserProAdviser
Finding the right financial adviser is important, but unfortunately the industry is complicated, not very transparent and there are quite a few rogue financial advisers out there. To make the search easier, ask your financial adviser these questions to identify if they are good or bad.
Recorded on September 26, 2013 - This webinar, presented by the ODSP Action Coalition, describes recent updates and changes to the Ontario Disability Support Program (ODSP). It is a follow-up to the Coalition's first webinar ODSP: Know Your Benefits. It is recommended that you watch ODSP: Know Your Benefits first.
Watch this webinar at:
http://yourlegalrights.on.ca/webinar/odsp-know-your-benefits-rights-and-responsibilities
Recorded on September 26, 2013 - This webinar, intended for community workers, gives information on maximizing income and benefits for Ontario Disability Support Plan (ODSP) recipients approaching 65. Topics covered include ODSP after 65, senior's pensions and rent subsidies, Canada Pension Plan (CPP) early retirement benefits, income fluctuations, and Old Age Security (OAS) .
Watch at:
http://yourlegalrights.on.ca/webinar/odsp-and-aging
This presentation provides an overview of eligibility for government financial assistance programs through Covered California and provides instructions for enrolling in a Covered California health plan.
Social Security Disability Insurance (SSDI) and Supplemental Security Income ...mitoaction
Please join us on Friday, August 7, 2015 as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include:
Overview of SSI and SSDI programs;
The differences between SSI and SSDI;
Social Security’s definition of disability as it pertains to mitochondrial disease;
How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts;
The application and appeals processes for SSI and SSDI;
Resources available to support SSI and SSDI applications and appeals processes;
Information on SSI and SSDI benefits for adult disabled children;
Returning to work after obtaining social security benefits (the "Ticket to Work Program");
Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and
The benefits of professional representation and how to evaluate representation options.
8 questions to ask your financial adviser - From ProAdviserProAdviser
Finding the right financial adviser is important, but unfortunately the industry is complicated, not very transparent and there are quite a few rogue financial advisers out there. To make the search easier, ask your financial adviser these questions to identify if they are good or bad.
Recorded on September 26, 2013 - This webinar, presented by the ODSP Action Coalition, describes recent updates and changes to the Ontario Disability Support Program (ODSP). It is a follow-up to the Coalition's first webinar ODSP: Know Your Benefits. It is recommended that you watch ODSP: Know Your Benefits first.
Watch this webinar at:
http://yourlegalrights.on.ca/webinar/odsp-know-your-benefits-rights-and-responsibilities
Recorded on September 26, 2013 - This webinar, intended for community workers, gives information on maximizing income and benefits for Ontario Disability Support Plan (ODSP) recipients approaching 65. Topics covered include ODSP after 65, senior's pensions and rent subsidies, Canada Pension Plan (CPP) early retirement benefits, income fluctuations, and Old Age Security (OAS) .
Watch at:
http://yourlegalrights.on.ca/webinar/odsp-and-aging
NIT PORTAL SOCIAL -A SUSTENTABILIDADE NA SAÚDE COMEÇA ANTES DOS HOSPITAISNit Portal Social
O ditado popular “melhor prevenir que remediar” traduz o conceito de sustentabilidade na saúde das pessoas. A expectativa de vida dos brasileiros vem aumentando. De 45 anos em 1940, passando a 72 em 2008, a estimativa para 2050 é viver até 81 anos. Com o envelhecimento da população, os custos com planos de saúde e com o sistema previdenciário do Brasil podem entrar em colapso.
In this talk we discuss the connections between (Supervised) Learning and Mathematical Optimization. Topics include iterative algorithm, search directions and stepsizes. The talk has been held at the Computer Science, Machine Learning and Statistics Meetup Hamburg.
License plate recognition an insight to the proposed approach for plate local...Editor Jacotech
License Plate Recognition (LPR) system for vehicles is an innovative and a very challenging area for research due to the innumerous plate formats and the nonuniform outdoor illumination conditions during which images are acquired. Thus, most approaches developed, work under certain restrictions such as fixed illumination, stationary background and limited speed. Algorithms developed for LPR systems are generally composed of three significant stages: 1] localization of the license plate from an entire scene image; 2] segmentation of the characters on the plate; 3] recognition of each of the segmented characters. A simple approach for preprocessing of the images, localization and extraction phase has been described in this paper. Numerous procedures have been developed for LPR systems and are assessed in this paper taking into consideration issues like processing time, computational power and recognition rate wherever available.
Os direitos autorais foram cedidos gratuitamente pela Alexandra Priscila Luiz (autora) ao Instituto Canguru em conformidade com os artigos 49 e seguintes da Lei nº 9610 de 19/02/98.
Introducing the Idaho MSA & the Benefits for Individuals, Employer Groups & A...Adam Berry
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.
How offering the Idaho MSA Program will help insurance agents, CPAs and financial planners expand their reach, reduce attrition and generate new revenue. All of that, while simply helping their clients reduce their taxable income and save money on their healthcare costs!
Barton Associates Locum Tenens Tax Guide Webinar Slide DeckJess Huckins
How can you make filing your taxes as an independent contractor as easy as possible? How will tax reform affect your locum tenens career in the years to come? Barton Associates’ locum tenens tax guide author and healthcare tax expert Andrew D. Schwartz, CPA, addressed these questions and more in our recent webinar. Here is the slide deck.
For businesses with 50 employees or less. There is a lot of confusion and misunderstanding about what the Affordable Care Act (Obamacare) is and how it will affect your business and employees. It is important to learn how it relates to you, your employees and your business. There are many moving parts and there are changes ahead. Our blog series and webinars will describe what the Affordable Care Act is "in plain English" and keep you up to date on the latest information.
P&W Services offers affordable, non-insurance health and dental benefits for individuals and small businesses. This briefing was presented to small business owners, insurance brokers, and non-profit organizations at our ribbon cutting ceremony on 17 Jul 09. For more information, go to PandWservices.com
Lets Maximize Your Savings with FSAs in 2024BookkeeperLive
Boost your savings in 2024 with FSAs! Think of them as special accounts that help you save on healthcare costs. You put money in before taxes, so you keep more cash. Use it for doctor visits, prescriptions, and more. It's a simple way to maximize your savings and have extra money for what you love!
This powerpoint goes into depth and explains FSAs, HRAs and HSAs, how they work together, who can participate, and what types of rules apply. It's a little boring, long, and somewhat detailed. However, you can use just portions of the slides if you'd like. The last 20 or so slides may be useful if an employer is offering high deductible health insurance plans, with an HSA - and already has an FSA in place This is a Continuing Education Course in California, under the Department of Insurance.
Open enrollment is the only time of year to get an individual policy without a qualifying life event. Our webinar makes sure you and your employees are prepared.
Similar to The Idaho MSA for Employer Groups & Employees (20)
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
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involves recognizing relationships between elements of the marketing mix (e.g.,
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(i.e., industry structure in the language of economics).
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
1. From: American Health Value
Presented By: Adam Berry
Learn how the new & expanded Idaho MSA Program
will help you upgrade your benefit package, while
saving both the company and its employees money
on healthcare costs!
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. 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 (age 59.5)
◦ 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. 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!
14. 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!
15. 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
16. 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
17. Usage Example with FSA
Contributions Must Be Combined & Not Exceed
Example: Employee Has Existing FSA
Individual Tax Filer:
◦ Eligible for $10k to MSA but...
◦ Makes $1,000 contribution to FSA
◦ Can put $9,000 into Idaho MSA
Joint Tax Filer:
◦ Eligible for $20k into MSA but...
◦ Makes $2,500 contribution to FSA
◦ Can put $17,500 into Idaho MSA
Why Use Both, Together?
18. Upgrade for Everyone Involved
No Matter What, Everyone Wins
Employees Get:
◦ An MSA!
◦ Plus Upgraded Benefits
◦ Either Additional or Replacement
Employers Get:
◦ To Offer Upgraded Benefits
◦ Leads to Happy Employees
◦ Some Control Over Costs
Flexible, Simple & Inexpensive Benefit Solution!
19. How We Can Help:
We Handle The Education!
◦ Educational Handouts, Infographics & Videos
◦ On-Site Education for Employers/Employees
◦ Help Employees Understand Their Benefit!
We Do the Heavy Lifting!
◦ You Don’t Need to Be An Expert
◦ Simply Direct Employees to Our Office
Web, Phone, Email, Chat
You’re Not Fielding MSA Questions
◦ Always Kept in the Loop
Simple And User-Friendly
◦ For You & for Your Employees
◦ Resourceful Website
◦ No Phone Trees
◦ Use Our 18+ Years of Experience
20. 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.
21. 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!
22. What Are the Next Steps?
Decide What Fits Best for the Company
◦ How Should It Be Offered?
Elective vs. Employer-Sponsored
If sponsored, to what degree?
Educate Employees
◦ Work Together to Explain Program
On-Site Presentations/Webinars
◦ Distribute Materials
Emails or Flyers
Open MSAs for Employees
◦ Enrollment Options:
On-Site Paper Applications
Scan/Email, Fax, or Mail Paper Applications
Enroll Over the Phone
Enroll On Our Website
23. From: American Health Value
Presented By: Adam Berry
• Phone: (208) 331-0676
• Email: A.Berry@IdahoMSA.com
• Website: www.IdahoMSA.com
For Questions, Please Contact: