HSA Focalpoint

CALLING ALL BROKERS: GET IN THE GAME!

Well, not actually in the game. That could be risky. But close enough to feel all of the intense action. All you have to do is recommend the First Horizon Visa® HSA Debit Card to your customers enrolled in an HSA-qualified high deductible health plan. For every referral that results in your customers being issued a card, you’ll earn one entry for a chance to win a trip for two to the 2009 NFL Pro Bowl in Honolulu, Hawaii courtesy of Visa®!

We’ll make sure you have everything you need to enjoy your trip, including:

• Airfare
• Accommodations
• Event transportation
• Two game tickets
• And a $500 Visa® gift card to spend as you wish!

Don’t miss out on this once-in-a-lifetime opportunity. To participate, you must be a registered First Horizon Msaver broker. Registration is quick and easy - simply click here, or go to www.firsthorizonmsaver.com/visa, to get started.

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Aon: More Use Health Account Plans.

lifeandhealthinsurancenews.com,  November 20, 2008
More large and midsize employers appear to be using health savings account and health reimbursement arrangements programs. About 49% of the employers with health account programs offer HSAs; 38%, HRAs; and 12%, both.
(Read More)

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Employer-Provided Cover Here to Stay: Aetna CEO.

businessinsurance.com,  September 20, 2008
Employer-provided health care benefits are not likely to disappear, the head of the nation’s third-largest health insurer said Wednesday. Looking at how large employers have streamlined their offerings to continue to provide benefits while controlling costs could offer some lessons, said Mr. Williams, who was one of several CEOs who met with President-elect Obama earlier this year to discuss health care and economic issues. (Read More)

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The Obama Health Plan Emerges.

online.wsj.com,  November 20,  2008
“Universal” government-run health care proved too ambitious even for FDR, who stripped it out of the Social Security Act of 1935. Lyndon Johnson settled for Medicare and Medicaid. Now liberals think the political moment has finally arrived to achieve what has eluded every other Democratic President from Harry Truman to Bill Clinton. (Read More)

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Your Opinion Counts!
We want to know what you think. Click here to complete a short survey about HSAs.

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Direct Deposit for your Quarterly Referral Fees.

You can now have your First Horizon Msaver quarterly referral fees directly deposited into your bank account. Simply fill out the Electronic Funds Transfer Form and send it to our office along with a voided check.

First Horizon Msaver, Inc
7400 W 110 St, Ste 520
Overland Park, KS 66210

Please note that if you choose to have your referral fee direct deposited, you will continue to receive the account breakdowns each quarter for your records.

CALLING ALL BROKERS: GET IN THE GAME!
Well, not actually in the game. That could be risky. But close enough to feel all of the intense action. All you have to do is recommend the First Horizon Visa® HSA Debit Card to your customers enrolled in an HSA-qualified high deductible health plan. For every referral that results in your customers being issued a card, you’ll earn one entry for a chance to win a trip for two to the 2009 NFL Pro Bowl in Honolulu, Hawaii courtesy of Visa®!

We’ll make sure you have everything you need to enjoy your trip, including:

• Airfare
• Accommodations
• Event transportation
• Two game tickets
• And a $500 Visa® gift card to spend as you wish!

Don’t miss out on this once-in-a-lifetime opportunity. To participate, you must be a registered First Horizon Msaver broker. Registration is quick and easy - simply click here, or go to www.firsthorizonmsaver.com/visa, to get started.

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Study Shows Half Of Individual Health Insurance Policy Holders Paid Under $130 Per Month.
medicinenewstoday.com,  November 17, 2008
New to the evaluation this year is data on eHealthInsurance members that have chosen an HSA-eligible plan. Of the 227,000 plans surveyed, 14 percent were HSA-eligible plans. Of these plans, the average premium for an individual plan was $133 and the average premium for a family plan was $302. The majority of HSA-eligible plan holders were between the ages of 25 and 44 years old.
(Read More)

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First Horizon Msaver and TSYS Healthcare to Lead Panel At HSA Symposium.
businessinsurance.com,  September 17, 2008
E. Craig Keohan, president of First Horizon Msaver, Inc., and Mark O’Leary, senior vice president of business development for TSYS Healthcare, are scheduled to lead a panel at the upcoming Health Savings Account Symposium in Miami, Fla., on Nov. 13. Their discussion will focus on the “green” benefits, both financial and environmental, of implementing card-based healthcare programs.  (Read More)

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New York Times: Employers Offer Workers Fewer Health Care Plans.
newyorktimes.com,  November 14,  2008
Employers generally try to offset the high deductible with a somewhat lower monthly premium than workers pay with conventional insurance. Another deal sweetener is the opportunity for the worker to put money in a tax-sheltered health savings account whose balance can grow year after year. Many employers also make contributions to those worker accounts. (Read More)

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Your Opinion Counts!
We want to know what you think. Click here to complete a short survey about HSAs.

---

Direct Deposit for your Quarterly Referral Fees.
You can now have your First Horizon Msaver quarterly referral fees directly deposited into your bank account. Simply fill out the Electronic Funds Transfer Form and send it to our office along with a voided check.First Horizon Msaver, Inc
7400 W 110 St, Ste 520
Overland Park, KS 66210Please note that if you choose to have your referral fee direct deposited, you will continue to receive the account breakdowns each quarter for your records.

 Editor’s Note: With the election results now in, we are starting to hear from various segments about what the future might hold for consumer-directed healthcare (CDHC) and HSAs. The following are a few of the articles that have appeared over the past few days that express a variety of views. The consensus seems to be that CDHC and HSAs have reached a critical mass and are here to stay. What do you think? Post a reply and let us know what you think the future holds for account-based health plans.

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CALLING ALL BROKERS: GET IN THE GAME!

Well, not actually in the game. That could be risky. But close enough to feel all of the intense action. All you have to do is recommend the First Horizon Visa® HSA Debit Card to your customers enrolled in an HSA-qualified high deductible health plan. For every referral that results in your customers being issued a card, you’ll earn one entry for a chance to win a trip for two to the 2009 NFL Pro Bowl in Honolulu, Hawaii courtesy of Visa®!

We’ll make sure you have everything you need to enjoy your trip, including:

·         Airfare

·         Accommodations

·         Event transportation

·         Two game tickets

·         And a $500 Visa® gift card to spend as you wish!

Don’t miss out on this once-in-a-lifetime opportunity. To participate, you must be a registered First Horizon Msaver broker. Registration is quick and easy - simply click here, or go to www.firsthorizonmsaver.com/visa, to get started.

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Health Care Improvements Have to Wait Awhile.

sfgate.com,  November 10, 2008
With the meltdown of the economy, Americans should expect changes in health care that are phased in or incremental - reform described as a “down payment” on greater strides in the future once the economy has stabilized.
(Read More)

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Kennedy Pushing ‘One Bill’ Healthcare Strategy.

WBUR.org
With the election in the rear view mirror, Senator Edward Kennedy is looking ahead to pursuing his push for universal health care by urging his colleagues to come together on a single approach on health coverage when Congress returns in January. (Read More)

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The Future of Consumer-directed Health Care.

aishealth.com,  November 10, 2008
With Sen. Barack Obama (D-Ill.) headed to the White House in January - and larger Democratic majorities in both the House and Senate - the future of consumer-directed health (CDH) is on shaky ground. Some industry observers contacted by AIS suggest that CDH will be in the crosshairs of the new Congress. But others contend it has gained far too much momentum to be derailed. (Read More)

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Indiana Gov. Mitch Daniels (R) is a Big Believer in Consumer-directed Health.

aishealth.com,  November 10, 2008
Indiana Gov. Mitch Daniels (R) is a big believer in consumer-directed health. And to encourage state employees to enroll in the two high-deductible health plans (HDHPs) with health savings accounts (HSAs) offered by the state, Indiana will pre-fund half of the employer contribution to the HSAs at the beginning of the 2009 plan year, AIS has learned. (Read More)

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Your Opinion Counts!

We want to know what you think. Click here to complete a short survey about HSAs.

---

Direct Deposit for your Quarterly Referral Fees.

You can now have your First Horizon Msaver quarterly referral fees directly deposited into your bank account. Simply fill out the Electronic Funds Transfer Form and send it to our office along with a voided check.

First Horizon Msaver, Inc
7400 W 110 St, Ste 520
Overland Park, KS 66210

Please note that if you choose to have your referral fee direct deposited, you will continue to receive the account breakdowns each quarter for your records.