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Health Savings Accounts A new health insurance  OPTION for ACPL employees   beginning 1/1/09 August 21, 2008
Do you ever feel … ,[object Object],[object Object],[object Object],[object Object]
Do you ever feel … ,[object Object],[object Object]
(Money, Money, Money …) ,[object Object],[object Object],[object Object],[object Object]
Musical Interlude… ,[object Object]
Please remember… ,[object Object],[object Object],[object Object]
What is an HSA? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The BIG difference? ,[object Object],[object Object],[object Object],[object Object],[object Object]
The BIG difference? ,[object Object],[object Object],[object Object],[object Object]
HDHP vs ACPL PHP 2008 In-Network To satisfy FAM deductible, one member satisfies, then all others COMBINED can satisfy FAM deduct In HDHP, Deductible = Out of Pocket MAX! $2,500 $1,250 2009  PHP  Out of Pocket  MAX $5,000  $500 $2,500 $500 FAM $1,250 2008 PHP  Out of Pocket MAX $2,500 $250 $250 IND 2009 HDHP Out of Pocket MAX  2009 PHP  Annual Deductibl 2008  PHP  Annual Deductible
HDHP vs ACPL PHP 2008 Out-of-Network To satisfy FAM deductible, one member satisfies, then all others COMBINED can satisfy FAM deduct In HDHP, Deductible = Out of Pocket MAX! $5,000 $2,500 2009  PHP  Out of Pocket  MAX $15,000 $1,000 $5,000 $1,000 FAM $2,500 2008 PHP  Out of Pocket MAX $7,500 $500 $500 IND 2009 HDHP Out of Pocket MAX  2009 PHP  Annual Deductibl 2008  PHP  Annual Deductible
Why would anyone sign-up for an HSA?? ,[object Object]
Estimated Monthly Premiums  based on 2008  - $118 (35%) $221 $339 Family EE contrib - $33 (39%) $52 $85 Single EE contrib - $489 (35%) $909 $1,398 Family Total premium - $178  (39%) $281 $459 Single Total premium Difference  HDHP Traditional PHP
ACPL ESTIMATED Deposits into HSA ,[object Object],[object Object],[object Object],[object Object]
Employee Deposits into HSA ,[object Object],[object Object],[object Object],[object Object],[object Object]
Tax savings for employees in HSAs ,[object Object],[object Object],[object Object],[object Object]
How to tell if HSAs are good for ME? ,[object Object],[object Object]
How to tell if HSAs are good for ME? ,[object Object],[object Object],[object Object],[object Object],[object Object]
How to tell if HSAs are good for ME? ,[object Object],[object Object]
ACPL “Corporate Reimbursement” ,[object Object],[object Object]
Why is ACPL Offering this?? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
HSA Q & A ,[object Object],[object Object],[object Object],[object Object]
HSA Q & A ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
HSA Q & A ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
HSA Q & A ,[object Object],[object Object],[object Object],[object Object]
Education Plan ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
HR Blog ,[object Object],[object Object]
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HSA Slideshow

  • 1. Health Savings Accounts A new health insurance OPTION for ACPL employees beginning 1/1/09 August 21, 2008
  • 2.
  • 3.
  • 4.
  • 5.
  • 6.
  • 7.
  • 8.
  • 9.
  • 10. HDHP vs ACPL PHP 2008 In-Network To satisfy FAM deductible, one member satisfies, then all others COMBINED can satisfy FAM deduct In HDHP, Deductible = Out of Pocket MAX! $2,500 $1,250 2009 PHP Out of Pocket MAX $5,000 $500 $2,500 $500 FAM $1,250 2008 PHP Out of Pocket MAX $2,500 $250 $250 IND 2009 HDHP Out of Pocket MAX 2009 PHP Annual Deductibl 2008 PHP Annual Deductible
  • 11. HDHP vs ACPL PHP 2008 Out-of-Network To satisfy FAM deductible, one member satisfies, then all others COMBINED can satisfy FAM deduct In HDHP, Deductible = Out of Pocket MAX! $5,000 $2,500 2009 PHP Out of Pocket MAX $15,000 $1,000 $5,000 $1,000 FAM $2,500 2008 PHP Out of Pocket MAX $7,500 $500 $500 IND 2009 HDHP Out of Pocket MAX 2009 PHP Annual Deductibl 2008 PHP Annual Deductible
  • 12.
  • 13. Estimated Monthly Premiums based on 2008 - $118 (35%) $221 $339 Family EE contrib - $33 (39%) $52 $85 Single EE contrib - $489 (35%) $909 $1,398 Family Total premium - $178 (39%) $281 $459 Single Total premium Difference HDHP Traditional PHP
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