bswift Chief Legal Officer John Herbst joins Denise and Joel to break down the “year of regulatory shift” and what it means for benefits leaders in 2026. From ACA subsidies expiring and HIPAA security changes to mental health parity challenges, state PBM rules, and possible PBM fiduciary duties, John calls out what’s real, what’s noise, and where employers should focus to stay compliant, protect their plans, and keep costs in check. 

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About John Hearbst 

John Herbst is bswift’s Chief Legal Officer. He brings more than 20 years of experience leading legal teams at high-growth software companies. John began his career at an international law firm, advising growth and Fortune 500 firms on capital raising and M&A transactions, and general corporate affairs. 

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