Your Health Savings

YOUR HEALTH 202x - 202x Health for all SAVINGS

Table of Contents Health Savings Expert 3 Paying for Health 4 Opening Your Account 5 About HSA 6 FAQs 10

Health Saving Expert Hi! I’m Alex — Health Benefits Consultant At NovaLink Insurance, we believe that managing healthcare costs shouldn’t be complicated. Our tailored solutions, including Health Savings Accounts (HSAs) and cost-effective benefit plans, are designed to help you save while ensuring quality care for your employees. With our expert guidance, you’ll unlock tax advantages, lower out-of-pocket expenses, and gain more control over healthcare spending. Let’s work together to optimize your benefits strategy for a healthier, more financially secure future. If you’d like to explore your options, we’re here to help. Contact us today! Best regards, Alex Carter

We help businesses offer contributions toward healthcare plans, HSAs, and premium assistance, so employees can enjoy better coverage. We offer payment plans that fit your budget, allowing you to manage medical expenses without financial strain. We help make healthcare more affordable and stress-free. Our health plans provide comprehensive coverage, ensuring you’re protected from high costs and long-term prescriptions. Healthcare expenses can add up quickly, but the right strategies can help you manage costs without sacrificing quality care. Understanding your options—like health savings accounts, employer contributions, and flexible payment plans—ensures you’re making the most of your benefits while keeping expenses under control. Our Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) let you set aside pre-tax dollars for healthcare expenses. Lower Out-of-Pocket Costs Financial Security Flexible Payment Options Employer Contributions Paying for Health

Whether you're enrolling through your employer or setting up an account on your own, we make it simple to start saving for healthcare expenses. Through Your Employer 1. Check Eligibility – Confirm if your employer offers an HSA or FSA and determine your eligibility. 2. Enroll During Open Enrollment – Sign up through your portal and choose your contribution amount. 3. Payroll Deductions Begin – Your contributions will be automatically deducted pre-tax from your paycheck. 4. Start Using Your Funds – Use your account card or reimbursement process for eligible healthcare expenses. On Your Own 1. Choose a Provider – Research banks or financial institutions offering HSAs. 2. Open an Account – Complete the application online or in person, providing required documentation. 3. Fund Your Account – Contribute up to the IRS limit via direct deposits or transfers. 4. Manage & Spend – Use your HSA funds for qualified expenses and enjoy tax-free savings. Opening your account

Funding About HSA Your Health Savings Account (HSA) gives you the flexibility to save and pay for medical expenses while enjoying tax advantages. Here’s how you can fund your account: Payroll Deductions ● Set up pre-tax contributions directly from your paycheck. ● Adjust your contribution amount anytime (subject to IRS limits). ● Employer contributions (if available) boost your savings. Direct Contributions ● Deposit funds via bank transfer, check, or direct deposit. ● Contributions are tax-deductible, even if you don’t itemize. ● You can contribute at any time, up to the annual IRS limit.

Using your Health Savings Account (HSA) is simple and flexible. Here’s how you can access your funds for eligible medical expenses: HSA Debit Card ● Use your HSA debit card at pharmacies, doctor’s offices, and healthcare providers. ● Pay directly for eligible expenses without needing reimbursement. Online Transfers ● Log into your HSA account and transfer funds to your personal bank account. ● Ideal for paying medical bills after an appointment. Bill Pay Feature ● Pay medical providers directly from your HSA account. ● Available through online banking for seamless transactions. Accessing About HSA

Trial Section 1.1 Eligible Expenses ● Doctor visits ● Prescription medications ● Vision care (glasses, contacts, eye exams) ● Dental treatments (cleanings, fillings, braces) ● Mental health services ● Medical equipment (wheelchairs, hearing aids) ● Alternative treatments (acupuncture) ● Hospital services and surgeries ● Fertility treatments ● Childbirth expenses ● Preventive screenings ● Vaccinations ● Emergency room visits ● Surgical procedures ● Wellness check-ups Your HSA isn't just a spending account—it can also be a long-term savings tool. Check with your HSA provider to explore investment opportunities and maximize your savings potential. Looking for Higher Returns? After age 65, you can use your HSA funds for non-medical expenses without penalties, though regular income tax applies. Used in healthcare in retirement, funds remain tax-free, making it a smart long-term savings. Since unused funds roll over each year, you can build a substantial balance for future healthcare costs. Keep track of all medical expenses and save receipts to ensure proper documentation in case of an audit. Maximizing Your Benefits Retirement Planning

Once your HSA balance reaches a certain threshold, you may have the option to invest your funds, allowing them to grow tax-free over time. Investing can help you build a larger healthcare savings for future expenses, including retirement medical costs. Consider diversifying your investments based on your risk tolerance and financial goals. Whether you choose mutual funds, stocks, or bonds, reviewing your investment options regularly ensures your HSA continues to work for you. "Thanks to my HSA investment options, I’ve grown my savings while preparing for future medical costs. It’s reassuring to know my healthcare funds are working for me." Jordan M., HSA Account Holder "With HSA investing, I’m not just saving—I’m building a financial cushion for healthcare expenses down the road. It’s a smart way to plan for the future." Alex R., Long-Term HSA User Investing About HSA

FAQs Who is eligible for an HSA? To be eligible, you must be enrolled in a qualified high-deductible health plan (HDHP), have no other health coverage, and not be claimed as a dependent on someone else’s tax return. How much can I contribute to my HSA? Annual contribution limits are set by the IRS and may change each year. Check current limits to maximize your savings. Can I use my HSA funds for non-medical expenses? Yes, but non-medical withdrawals before age 65 are subject to taxes and a penalty. After 65, funds can be used for anything, though taxes may apply.

Location 123 Innovation Drive Sunnybrook, MI 48201 Contact Phone: (555) 123-4567 Email: [email protected] Health for all