Research shows employees overwhelmingly use their HSA funds to pay for current medical expenses, but being able to invest and carry forward account balances can help employees establish more retirement security. Learn how to promote your HSA benefit as a part of employees’ financial wellness throughout their lives and what tools to offer them along the way.
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    Alison Mintzer
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    Inci Kaya
    Senior Analyst, Aite Group’s Health Insurance
    Inci Kaya is a Senior Analyst within Aite Group’s Health Insurance practice and covers health care payments, consumer driven health, health benefit accounts, fraud, price transparency, consumer trends, IoT, AI/ML for industry stakeholders. Kaya brings to Aite Group 10 years of experience in advisory research, strategic market insights, and analysis working with financial services, IT service providers, and healthcare industry clients.
    Previously, she was a research analyst at Bloomberg BNA’s former subsidiary Kennedy Information, researching the health care payer, provider, government, life sciences, and biotech sectors. She began her career as a quantitative analyst at TowerGroup (now part of Gartner) covering key issues at the intersection of financial services and technology, such as consumer-facing technologies; governance, risk, and compliance; sustainable business practices; and automation.
    Kaya is an accomplished speaker for knowledge calls, webinars, and conferences. Her knowledge calls, which provided web training on the cloud marketplace and trends, garnered large audiences from sales professionals, and she was ranked among the top 5% of speakers at a financial services annual conference based on participant survey responses.
    Kaya holds an MBA in International Economics and Finance from Brandeis University and enjoys international travel, cultures, languages, and cuisine. She speaks French, Turkish, and Japanese and lives in Boston with her spouse and two children.
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    Greg Puig
    Vice President of Benefit Consulting Services at Sentinel Benefits & Financial Group
    Greg Puig joined Sentinel Benefits & Financial Group in 2011 and currently serves as Vice President, Benefit Consulting Services. His responsibilities include providing expert advice, developing solutions and executing strategies for current and future Health & Welfare clients. Puig oversees Sentinel Insurance Agency’s consulting team and is focused on helping organizations design, implement, communicate and administer their employee benefit offerings. He concentrates much of his time on helping companies navigate today’s difficult regulatory landscape and implement tax advantaged accounts to help mitigate health care expenses.
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    Amy Ray
    Director, Advice and Wellness Product Development, Transamerica
    Amy joined Transamerica in 2009 and is currently the Director of Advice and Wellness Product Development Solutions. She led Transamerica’s implementation into the Health Savings and Spending Account market with a direct focus on leveraging Transamerica’s long-standing retirement expertise.
    Amy is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries.
    Amy currently lives in Cedar Rapids, Iowa with her husband and two sons.
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    Juliane Kowalski
    Senior Vice President of Product Development, MetLife
    Juliane leads the Voluntary & Health Savings & Spending Account product teams for MetLife’s Group Benefits business. In this role, Juliane has overall responsibility for the product strategy, product development & capability delivery for these businesses. She was named to this position in October 2020.

    Prior to this role, Juliane spent six years leading business units in MetLife’s National Accounts segment. Most recently, Juliane had oversight for MetLife’s Northeast-based employee benefits clients with over 5,000 lives and she was previously responsible for MetLife’s Federal employee benefits clients.

    Juliane joined MetLife in 1996 and has served in various roles in support of MetLife’s employee benefits business through the years.

    Juliane earned a bachelor’s degree from St. John’s University and Juris Doctor degree, cum laude, from St. John’s University School of Law