In this episode of the Expert Perspectives podcast, sponsored by Lively and hosted on, we’ll hear highlights from the May 14th presentation titled High-deductible health plans & HSAs: Trends, Considerations & Opportunities. The rising cost of healthcare benefits will persist, and employers will look to brokers for answers on how they can fight this trend without it negatively impacting their bottom line.

Misty Baker, Director of Compliance and Government Affairs at Benefitmall, Tanya Boyd, President and Chief Executive Officer at Tanya Boyd &Associates, and Michael Olaiz, Senior Vice President of Regional Business Development at Lively discuss the latest trends and strategies being used in the high-deductible health plan and HSA space and how to maximize adoption.

The full on-demand webcast can be found here:

Misty Baker
Director of Compliance and Government Affairs, BenefitMall
Misty is an Affordable Care Act compliance and agent advocate, specializing in ACA, ERISA, FMLA, COBRA and legislative advocacy for more than 10 years. She was a registered lobbyist in Texas for 3 years. She is a strategic leader focused on compliance, agent knowledge, legislative advocacy, and ultimate client understanding of how to be successful in the changing world of compliance. Her passion includes agent education, insurance advocacy inside and outside of the Capital and compliance.

Misty was Awarded one of the most influential women in employee benefit advising, by Employee Benefit Advisor 2015, a Member of National Association of Health Underwriters 1999- present. Served in the local, state, and national leadership and advisory programs, awarded with more than 10 awards for legislative efforts, agent advocacy and leadership and has Served as health insurance advisor on the Independent Insurance Agents of America (Big “I”), 2013-2015.

Tanya Boyd
President and Chief Executive Officer, Tanya Boyd & Associates
Tanya believes small businesses are the heart of our country and she makes it her business to help them grow. Running a successful boutique agency in the Dallas, Texas area she knows that attracting and keeping great employees builds the foundation for a thriving organization, and she’s developed her consulting practice to help employers do just that. Tanya and her agency have also been recognized nationally in 2017, 2018 and again in 2019 with Elite Status from in their Circle of Champions for the number of individuals they have helped finding the right individual health plan.

Tanya is a long- standing member of NAHU and has reached the status of Soaring Eagle Leading Producer Round Table for several years in a row. She has a passion for writing and is a go-to industry source.

Michael Olaiz
Senior Vice President, Regional Business Development, Lively
Michael Olaiz is a Senior Vice President of Regional Business Development at Lively. Michael has over 15 years of HSA experience and previously served as Senior Vice President of HSA Bank. His initial experience working with customers earned him deep expertise in the nuances of HDHPs and HSAs. At Lively, Michael works with Consultants, Brokers, Health Plans, and Employers to help individuals optimize their healthcare spending.