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!

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. 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:
◦ To Offer Upgraded Benefits
◦ Leads to Happy Employees
◦ Some Control Over Costs
 Flexible, Simple & Inexpensive Benefit Solution!

15. 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 Clients 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

16. 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!

17. 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

18. From: American Health Value
Presented By: Adam Berry
Contact Me for Questions,
Employee Education & Enrollments:
Phone: (208) 331-0676
Email: A.Berry@IdahoMSA.com
Website: www.IdahoMSA.com