In this Issue of Our myHSA Advisor Newsletter

🔦 How advisor Howard Cheung keeps his clients for life

👂 What to listen for in renewal conversations… and what to say

📝 Our favourite myHSA report for renewals 🔦 Advisor Spotlight: Keeping clients for life

When renewal season hits, many advisors face the same challenge: explaining premiums, managing expectations, and trying to keep conversations positive.

Account Executive Howard Cheung of Immix Group found a better way.

By introducing his clients to myHSA, Howard’s approach helps him build long-term trust. In our latest case study, Howard shows what’s possible when advisors think beyond traditional plans.

Read the full story.

👂 Hear this? Say that!

When it comes to renewal conversations, your clients can't ask for what they don't know exists.

Here's what to listen for in your upcoming discussions and our recommendations for which solutions could be a good fit.

Listen for: “We’ve had complaints about limited coverage.”

“Some employee expenses aren’t covered by the group plan.”

“We have people with very different family needs.”

What they’re saying: — The client is frustrated with traditional coverage limits.

How to respond: — “An HSA can give employees more flexibility to cover what’s important to them. Think of items outside the traditional plan like orthodontics, vision, or physiotherapy. A spending account helps fill those gaps without increasing premium costs.”

Listen for: — “We want to give employees flexibility, but we can’t afford to increase our budget this year.”

“We’d like to modernize our plan but keep spending consistent.”

“We want employees to see more value without adding cost.”

What they’re saying: — The client wants more perceived value and personalization without budget creep.

How to respond: — “myFlexplan can give your employees a choice while keeping your investment the same. Instead of offering one fixed benefits plan for everyone, employees get a budget to allocate as they see fit between myHSA and myWSA.”

Listen for: — “We just had an awesome team-building session! We played pickleball and everyone loved it. Some employees have started going after work.”

“We’re focusing more on mental health and lifestyle balance.”

“We want to encourage healthy, active habits.” What they’re saying:

The client values culture and wellness, which is a sign to bring up a WSA.

How to respond: — “That’s exactly the type of initiative a Wellness Spending Account supports. It gives employees funds for wellness, fitness, or recreation... reinforcing your culture and keeping people engaged.”

Employee Education Listen for: — “Our employees don’t understand the plan and how it all works together.”

“We’ve rolled out new benefits, but people aren’t using them.”

“We get the same questions over and over again.” What they’re saying:

The plan design might be fine… but the communication isn’t landing.

How to respond: — “Let’s schedule an employee education session with the myHSA team to walk through how everything works together. That helps improve engagement, understanding, and usage.”

Want to set up a meeting or talk strategy with someone that gets it? Our Advisor Support team is ready to help.

Talk to Advisor Support .

📝 Our favourite report for renewals

Have you tried our Utilization Report?

It’s a powerful tool to guide renewal conversations with clients who only offer an HSA.

It gives a clear picture of how employees use their benefits, helping you identify opportunities and gaps. When you can show that employees are maxing out their HSAs or leaning into wellness-related categories, it’s the perfect time to introduce myFlexplan.

Lifestyle and wellness coverage supports hiring and retention, but they also strengthen company culture by showing employees that your client is willing to invest in them.

Log in to see our reports .