HSA Growth Accelerates In Uncharted Waters

Table of Contents

1. INTRODUCTION

• THE BIRTH OF THE CURRENT HSA MARKET

2. RESEARCH ON THE ATTRIBUTES OF THE EXISTING MARKET

• AHIP MARKET DATA
• AMA COUNCIL, PRESENTED BY JOSEPH P. ANNIS, MD, CHAIR, JUNE 2006
• BEARINGPOINT
• GENERAL ACCOUNTING OFICE (GAO-06-798)
• ISI USER RESEARCH - 6,000 HSA USERS
• ISI
• JAVELIN SURVEY OF 1,300 CONSUMERS
• DELOITTE CENTER FOR HEALTH SOLUTIONS
• GAO LOOKS AT WEALTH ACCUMULATION VERSUS POS TRANSACTIONS
• PLAN ADMINISTRATORS
• MAJOR HSA ADMINISTRATORS & HEALTH PLANS

3. A LOOK FORWARD AT MARKET PROJECTIONS

• BEARINGPOINT
• EARLY BOOZE ALLEN, FORRESTER & MCKINSEY

4. MERCATOR ADVISORY GROUP FORECAST HDHP

5. FORECAST OF HSA TIED TO PREPAID CARDS 2006 - 2011

6. CHECKS VERSUS PREPAID DEBIT CARD & AUTO ADJUDICATION

• INTERCHANGE PROFITABILITY & BROAD ACCEPTANCE

7. THE FINANCIAL INSTITUTION' S DECISION MAKING PROCESS

8. THE INVENTORY INFORMATION APPROVAL SYSTEMS IIAS

• RULING 2003-43

9. CONCLUSION

10. TERMS

List of Exhibits

• FIGURE 1: GROWTH OF LIVES COVERED BY HDHP MARCH 2005 - JANUARY 2007
• FIGURE 2: AGE DISTRIBUTION OF HSA PARTICIPANTS; JANUARY 2007
• FIGURE 3: AVERAGE AGE OF HSA ACCOUNTS; JANUARY 2007
• FIGURE 4: AVERAGE BALANCE IN HSA ACCOUNTS; JANUARY 2007
• FIGURE 5: AMA REVIEW OF HEALTHCARE RELATED EXPENDITURES
• FIGURE 6: MAJOR HEALTH PLANS & HSA ADMINISTRATORS
• FIGURE 7: BEARINGPOINT' S PROJECTION OF HSA, FSA, & HRA GROWTH
• FIGURE 8: COMPARING MULTIPLE RESEARCH ON GROWTH RATES
• FIGURE 9: INDIVIDUAL HDHP PURCHASERS ARE LESS LIKELY TO OPEN AN HSA THAN EMPLOYEES
• FIGURE 10: BOTH LOW INCOME AND LACK OF EMPLOYER CONTRIBUTION LEAD TO LOW HSA OPENING
• FIGURE 11: PROJECTED HDHP PARTICIPANTS WITHOUT A FUNDED HSA
• FIGURE 12: FORECAST OF FULLY FUNDED HSA ACCOUNTS 2006 - 2011
• FIGURE 13: FORECAST OF HSA ACCOUNTS THAT UTILIZE PREPAID HSA CARDS