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At HealthSavings, we have one goal in mind.At HealthSavings, we have one goal in mind. To invest in...
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At HealthSavings, we have one goal in mind. To invest in a healthy future. Yours. We didn’t just update our image, we rebuilt our website to provide partners like you with exceptional tools and educational information about HSAs. Easy-to-download infographics and brochures can help you show clients how an HSA works, and why it’s a comprehensive, tax-advantaged investment option. We’ve even added calculators to help determine how, when and where to invest. We still offer first-dollar investing into 22 Vanguard ® funds, 12 of which are Admiral Share Class. We still provide personal, friendly customer service to guide your clients through enrollment. Plus your clients will have access to their account information. Anytime. Anywhere. The difference is now we’re not just your HSA provider. We’re your best HSA resource. To qualify for a health savings account (HSA) an individual must first have a qualified high-deductible health plan and meet all other requirements found in IRS Publication 969. Call (877) 992-8212 to learn more. www.healthsavings.com benefits HealthSavings EMPLOYERS for LOWER PREMIUMS SUPERIOR INVESTING www.healthsavings.com Funds are deposited pre-tax (section 125) for reduced FICA, SUTA and FUTA. Saves employer up to 10% on payroll tax. NO INVESTMENT TRANSACTION FEES NO BROKER FEES FIRST DOLLAR INVESTING No minimum bank debit card balance required before investing An increase in consumer involvement results in lower annual premium increases ANNUAL PREMIUM Superior investment options with up to four of the 22 Vanguard mutual funds, 12 of which are Admiral Class Some HSA-plans offer lower monthly premiums than a traditional health plan Average Expense ratios of .20, roughly 80% lower than the industry average .20 Employees become better cost-conscious consumers of health care TRADITIONAL HEALTH PLAN HSA PLANS CONSUMER INVOLVEMENT PAYROLL TAXES Employee and employer contributions are not subject to payroll taxes. Contributions are TAX DEDUCTIBLE Earnings and interest invested in mutual funds grow TAX-FREE Withdrawals for eligible medical expenses are TAX-FREE GROWTH HEALTH 2 3 1 CONTRIBUTIONS TRIPLE TAX SAVINGS benefits HealthSavings INDIVIDUALS for An HSA account is individually owned 3 Simple Ways to Save Funds in the account can also be used to pay the eligible medical expenses of your spouse and tax dependents, even if they are not on your HDHP. Eligible medical expenses include medical, vision, dental and prescriptions Savings invested in Mutual Funds can supplement other retirement plans. stays with you when you change jobs, change insurance, or retire can provide a safety net between jobs to cover Cobra insurance PORTABLE An HSA... www.healthsavings.com ● Your choice of mutual funds, debit card, or combination of both. ● First dollar investing - no requirement to fund, or maintain, a balance in a debit card account ● Invest in a choice of 22 Vanguard Funds SMARTER RETIREMENT PLAN STRATEGY Savings from lower premiums can be deposited into the health savings account LOWER PREMIUMS and can continue to grow The BALANCE rolls over year-to-year... INVESTING
Transcript of At HealthSavings, we have one goal in mind.At HealthSavings, we have one goal in mind. To invest in...
At HealthSavings, we have one goal in mind.
To invest in a healthy future. Yours.
We didn’t just update our image, we rebuilt our website to provide partners like you with exceptional tools and educational information about HSAs. Easy-to-download
infographics and brochures can help you show clients how an HSA works, and why it’s a comprehensive, tax-advantaged
investment option. We’ve even added calculators to help determine how, when and where to invest.
We still offer first-dollar investing into 22 Vanguard® funds, 12 of which are Admiral Share Class. We still provide personal, friendly customer service to guide your clients through enrollment. Plus your clients will have access to their account information. Anytime. Anywhere.
The difference is now we’re not just your HSA provider. We’re your best HSA resource.
To qualify for a health savings account (HSA) an individual must first have a qualified high-deductible health plan and meet all other requirements found in IRS Publication 969.
Call (877) 992-8212 to learn more.
www.healthsavings.com
benefi
tsHealthSavings
EMPLOYERSfor
LOWER PREMIUMS
SUPERIOR INVESTING
www.healthsavings.com
Vanguard is a registered trademark of Vanguard Group, Inc.
Funds are deposited pre-tax (section 125) for reduced FICA, SUTA and FUTA. Saves
employer up to 10% on payroll tax.
NO INVESTMENT TRANSACTION FEES
NO BROKER FEES
FIRST DOLLAR INVESTING
No minimum bank debit card
balance required before investing
An increase in
consumer involvement
results in lower annual
premium increases
ANNUAL
PREMIUM
Superior
investment
options with up to
four of the 22
Vanguard® mutual
funds, 12 of which
are Admiral Class
Some HSA-plans offer lower monthly
premiums than a traditional health plan
Average Expense
ratios of .20, roughly
80% lower than the
industry average
.20
Employees become better cost-conscious
consumers of health care
TRADITIONAL HEALTH PLAN
HSA PLANS
CONSUMER
INVOLVEMENT
PAYROLL
TAXES
Employee and employer
contributions are not
subject to payroll taxes.
Contributions are TAX DEDUCTIBLE
Earnings and interest invested in
mutual funds grow TAX-FREE
Withdrawals for eligible medical expenses are TAX-FREE
GROWTH
HEALTH
2
3
1 CONTRIBUTIONS
TRIPLE
TAX SAVINGS
benefitsHealthSavings
INDIVIDUALSfor
An HSA account is
individually owned
3 Simple Ways to Save
Funds in the account can also be
used to pay the eligible medical
expenses of your spouse and tax
dependents, even if they are not
on your HDHP.
Eligible medical expenses
include medical, vision,
dental and prescriptions
Savings invested in Mutual
Funds can supplement other
retirement plans.
stays with you when you
change jobs, change
insurance, or retire
can provide a safety net
between jobs to cover
Cobra insurance
PORTABLE
An HSA...
www.healthsavings.com
● Your choice of mutual funds,
debit card, or combination
of both.
● First dollar investing - no
requirement to fund, or
maintain, a balance in a debit
card account
● Invest in a choice of 22
Vanguard® Funds
SMARTER
RETIREMENT
PLAN STRATEGY
Vanguard is a registered trademark of Vanguard Group, Inc.
Savings from lower premiums
can be deposited into the
health savings account
LOWER PREMIUMS and can continue to growThe BALANCE rolls over year-to-year...
INVESTING
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