Category: Health Savings Accounts
Hidden Opportunities, A Strategic Compliance Series

Hidden Opportunities Overview
In this webinar series we explore ways organizations can go beyond basic compliance and improve their “organizational soil” through a strategic response to the No Surprises Act and the Transparency in Coverage regulations. Our goal is to help organizations create a competitive advantage. Does it make sense to expend limited resources to merely comply with the law and regulations, or is there a way to strategically “design the compliance away” while differentiating the employee value proposition?
For example, a knowledgeable horticulturist may use the high temperatures of the summer season, which are a normal part of the environment just as law and regulation are a normal part of the business environment, to solarize the soil. This is a low cost and simple process of spreading a plastic sheet over an area of soil to trap and intensify the sun’s energy. It is a process that works well to destroy weed seeds and pathogens. Similarly, a knowledgeable Humaculturist® can employ techniques to leverage laws and regulations to strategically improve the organization. This webinar series seeks to identify some of these techniques.
The topics from the series include:
Hidden Opportunities: No Surprises Act |
Surpassing Mere Compliance – Including Reference Based Pricing |
Preserving the Harvest…Leveraging HSAs |
Hidden Opportunities: Transparency |
A “Dope” Response to Pharmacy Transparency |
Mental Health Parity…A Lucid Approach |
Pest Management, Minimizing Plan Losses through Fee Disclosure |
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes experts in organization design, actuarial science, clinical, and legal can guide the process to achieve optimal behavior. Please contact us.
Webinar Replay: Preserving the Harvest…Leveraging HSAs

Watch a replay of the second webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on Surpassing Mere Compliance and includes an example of leveraging Health Savings Accounts (HSAs) to use tax preferences to finance what can’t/shouldn’t be avoided, promote financial well-being, and make benefits more distinctive in talent attraction and retention.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant
- Wes Rogers, Humaculturist® and strategy consultant
- Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant
- Kelley C. Long, CPA/PFS, CFP®, accountant, financial well-being planner, coach, and consultant
Objectives
Beyond basic compliance, this series addresses how to strategically leverage the No Surprises Act to create a competitive financial advantage for both the plan sponsor and plan participants. This session focuses on Surpassing Mere Compliance and includes Reference Based Pricing as an example of a strategic response to use tax preferences to “preserve the harvest” by financing tax effectively what can’t/shouldn’t be avoided with the No Surprises Act.
Leveraging HSAs Key Takeaways
During this session, participants will learn:
- Why the No Surprises Act is likely to be inflationary – increasing employer and employee costs
- How employees are financially fragile and aren’t prepared for out-of-pocket expenses
- Why Transparency Rules present opportunities to help employees become better consumers
- How to communicate all negatives as necessary due to compliance
- How HSA-eligible coverage with an HSA is one strategic action you can take to:
- Use tax preferences to finance what can’t/shouldn’t be avoided
- Use design levers to reduce plan and participant cost
- Create a distinctive design to attract and retain talent (self-selection)
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us: [email protected].
Watch
Watch the Hidden Opportunities: Preserving the Harvest… Leveraging HSAs Webinar Replay below, or via Rumble or YouTube.


Hidden Opportunities, A Strategic Compliance Series: Preserving the Harvest…Leveraging HSAs



This webinar can now be accessed from Here.
Join us on Thursday, February 17 from 12:00 to 12:30 CST for the second webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which will focus on Surpassing Mere Compliance and include an example of leveraging Health Savings Accounts (HSAs) to use tax preferences to finance what can’t/shouldn’t be avoided, promote financial well-being, and make benefits more distinctive in talent attraction and retention.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant
- Wes Rogers, Humaculturist® and strategy consultant
- Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant
- Kelley C. Long, CPA/PFS, CFP®, accountant, financial well-being planner, coach, and consultant
Objective
Beyond basic compliance, this series addresses how to strategically leverage the No Surprises Act and Transparency in Coverage to create a competitive advantage for both the employer and employees. In this session we will include a focus on leveraging HSAs as an example of a strategic response to use tax preferences to finance what can’t/shouldn’t be avoided with the No Surprises Act.
Leveraging HSAs Key Takeaways
During this session, participants will learn:
- Why the No Surprises Act is likely to be inflationary – increasing employer and employee costs
- How employees are financially fragile and aren’t prepared for out-of-pocket expenses
- Why Transparency Rules present opportunities to help employees become better consumers
- How to communicate all negatives as necessary due to compliance
- How HSA-eligible coverage with an HSA is one strategic action you can take to:
- Use tax preferences to finance what can’t/shouldn’t be avoided
- Use design levers to reduce plan and participant cost
- Create a distinctive design to attract and retain talent (self-selection)