This is exactly the kind of breakdown I was looking for on HQY's leadership moves! The timing makes total sense with the Bronze and Catastrophic plan HSA compatability change coming in 2026. I think the big oportunity here is the education piece you mentioned. Most people have no idea what an HSA actually does or how it works. The fact that they brought in someone from Mastercard for CMO is smart, that's a consumer brand mindset rather than just B2B thinking. I'm curious how much of their growth will come from direct to consumer versus employer channel. Do you think the AI claims procesing stuff is actually a differentiator or just table stakes at this point?
The broker channel will make or break this. If HealthEquity doesn't arm brokers with dead-simple calculators where they show actual tax savings vs. premium trade-offs, most employers will stick with the status quo and miss the entire 2026 window.
This is exactly the kind of breakdown I was looking for on HQY's leadership moves! The timing makes total sense with the Bronze and Catastrophic plan HSA compatability change coming in 2026. I think the big oportunity here is the education piece you mentioned. Most people have no idea what an HSA actually does or how it works. The fact that they brought in someone from Mastercard for CMO is smart, that's a consumer brand mindset rather than just B2B thinking. I'm curious how much of their growth will come from direct to consumer versus employer channel. Do you think the AI claims procesing stuff is actually a differentiator or just table stakes at this point?
The broker channel will make or break this. If HealthEquity doesn't arm brokers with dead-simple calculators where they show actual tax savings vs. premium trade-offs, most employers will stick with the status quo and miss the entire 2026 window.