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 National HSA Administrator Founded in 1996 Founded in 1996 Privately Held Privately Held Located in Boise, ID Located in Boise, ID HSA Clients in 49 States HSA Clients in 49 States Historically, Focused Solely on HSAs Historically, Focused Solely on HSAs ◦No COBRA, FSA, HRA, Insurance or Banking PPACA Prompted Investigations into Idaho MSA Program PPACA Prompted Investigations into Idaho MSA Program

3. Idaho MSA Background: Around Since Mid 1990’s Around Since Mid 1990’s ◦They Have Longevity… Idaho 1 of Only 3 States Idaho 1 of Only 3 States ◦Setting National Precedent… ◦Incredibly Flexible, For Everyone… Yet, MSAs Almost Non-Existent Yet, MSAs Almost Non-Existent ◦Sitting around collecting dust ◦Nobody knows about them ◦Why is that? House Bill 595 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 “Idaho MSA” is a Collaboration ◦Local Administrator, Local Bank ◦American Health Value & IIB Built on Each Company’s Strengths 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 Main Purpose to Help Idahoans ◦Provide quality guidance, assistance, compliance & banking Main Goal to Help People Understand & Maximize Their Medical Savings Account! Main Goal to Help People Understand & Maximize Their Medical Savings Account!

5. What is an Idaho MSA? Special Savings Account with Tax Benefits Special Savings Account with Tax Benefits ◦Set Money Aside Tax-Free for Healthcare ◦Reduces Taxable Income Dollar for Dollar Triple Tax Advantage 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 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… That may look familiar… This is where it gets interesting!!

6. Who Can Have An MSA? Almost Anybody! Almost Anybody! No Insurance Requirements! No Insurance Requirements! ◦HDHP, PPO, Medicare, Uninsured No Employment Requirements! No Employment Requirements! ◦FT, PT, Medicare, Seasonal ◦Even the Unemployed No Age Restrictions! No Age Restrictions! ◦Even Medicare Enrollees Qualify Veterans, too! Veterans, too! ◦No exclusions for VA Benefits or Tricare Truly Designed to Help Everyone! Truly Designed to Help Everyone!

7. How Much Can You Put In? Quite A Bit! Quite A Bit! Single Filing Status: Single Filing Status: ◦Up to $10,000 Joint Filing Status: Joint Filing Status: ◦Up to $20,000 House Bill 595 House Bill 595 ◦March 28 th, 2014 ◦Increased limits from $2k & $4k Funding Based on Calendar Year Funding Based on Calendar Year ◦Fund a little, or a lot – Up to you Unspent Funds Roll Over Each Year, Building A Nest Egg 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

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

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

10. We Are Your MSA Resource! Education Is Key! Education Is Key! ◦Handouts, Infographics & Videos ◦On-Site Education for Employers/Employees ◦Help Everyone Understand Their Benefit! Questions? We’ve Got Answers! 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! Simple And User-Friendly! ◦Resourceful & Intuitive Website ◦Easy-to-Access Forms & Deposits ◦No Phone Trees ◦Use Our 18+ Years of Experience

11. Healthcare Discount Program Totally Free for Our Members Totally Free for Our Members Save up to 65% on: Save up to 65% on: ◦Prescriptions ◦Dental Costs ◦Vision Care ◦Doctor’s Visits ◦Medical Lab Testing ◦+ 5 more programs! Excellent Statewide Coverage Excellent Statewide Coverage Take Advantage of this Discount Card & Maximize Your Healthcare Savings! Take Advantage of this Discount Card & Maximize Your Healthcare Savings!

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