Winning with an HSA

empowering you to build health savings

Health Savings Accounts (HSAs)

Save & win

©2013 HealthEquity All rights reserved.

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Why HSAs?HSAs are an easy way to win in today’s complex health care system

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*Health plan’s in-network providers may vary.

HSAs empower health savingsAs an HSA user, you save in several ways:

• Significantly lower monthly health insurance premiums• HSA contributions are not taxed• You earn tax-free interest on HSA balances• HSA funds used for qualified medical expenses are not taxed

Saving for the future: HSA funds roll over from year to yearWith an HSA, you own the account and all contributions. Unlike flexible spending accounts (FSAs), balances in an HSA roll over each year and remain available for qualified expenses even if you change health plans, retire or leave the company.

You don’t have to change doctorsYour HSA-powered health plan typically gives you access to the same* in-network doctors as a traditional plan offered by the same carrier. If your desired physician is not in-network, you can still use tax-free HSA dollars to pay for qualified expenses.

Keep your lifestyleHSAs don’t require you to change the way you use health care. Regardless of how you consume medical services, an HSA will empower you to maximize savings while building a reserve for the future.

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How an HSA works:An HSA paired with an HSA-powered health plan allows you to make pre-tax contributions to an FDIC-insured savings account. Balances earn tax-free interest and can be used to pay for qualified medical expenses. HSA-powered health plans cost much less than traditional plans and the money saved can be deposited into your HSA.

Our expert friends are available to help you every hour of every dayOur team of specialists based in Salt Lake City are available 24 hours a day, providing you with expert insight to help you optimize your health savings account. We are here to help you every step along the way.

Member ServicesSalt Lake City, Utah

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hsas win vs. traditional plans. here are some specific examples of how an hsa results in savings for common lifestyles:

25%

savings*

25%

savings*

shopper:• High medical utilizer• Hits out-of-pocket maximum with

traditional health plan

How a Shopper wins:• Significantly lower monthly premiums• No copays on top of out-of-pocket

expenses• Out-of-pocket expenses are paid with

tax-free HSA funds

saver:• Financially savvy• Optimizes account savings

How a Saver wins:• Another avenue for investing tax-free• Significantly lower monthly premiums• Out-of-pocket expenses are paid with

tax-free HSA funds

Who are you?

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*Based on actual scenarios. Results may vary.

55%

savings

20% savings

survivor:• One or more chronic conditions• Hits out-of-pocket maximum with

traditional health plan

How a Survivor wins:• Prescription out-of-pocket expenses

are capped, no copays• Significantly lower monthly premiums• No copays on top of out-of-pocket

expenses• Out-of-pocket expenses are paid with

tax-free HSA funds

minimalist:• Low medical utilizer• Desires flexibility and minimum

monthly premium

How a Minimalist wins:• Significantly lower monthly premiums• Out-of-pocket expenses are paid with

tax-free HSA funds

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*Based on actual scenarios. Results may vary. *Based on actual scenarios. Results may vary.

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We’ll take you there. We make the process of an HSA easy and we are available to assist every step along the way. To get started, simply:

Many employers offer paycheck deductions. You can also transfer funds from an existing HSA or make an electronic deposit.

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Enroll in an HSA-powered health plan through your employer.

Elect to make contributions to your HSA

Maximize your savings

† This card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC. Copyright © 2013 HealthEquity, Inc. All rights reserved. HealthEquity, the HealthEquity logo, and Building Health Savings are service marks of HealthEquity, Inc.

To take full advantage of tax savings and to build a reserve for the future, we encourage you to maximize your HSA contributions, according to IRS regulations:

2013 2014Individual limit: $3,250 $3,300Family limit: $6,450 $6,550

At age 55, an additional $1,000 contribution is allowed.

We’ll work with Allegiance to automatically set up your HSA and supply you with a HealthEquity Visa® Health Account debit card† to conveniently pay for eligible medical expenses.

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Let’s go!

{Start saving today!Take advantage of the many benefits offered by owning an HSA. We’re available to answer any of your questions and provide helpful insight:

866.346.5800 (available every hour of every day)

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learn more at:www.Healthequity.com/HSAlearn

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15 West Scenic Pointe Drive, Suite 100Draper, UT 84020

877.694.3942 • info@healthequity.comwww.healthequity.com