Saba Ternikar

Saba Ternikar is a Managing Director and East Region Leader for Howden US Health & Benefits. She brings more than 20 years of experience across payer, consulting, and technology-enabled health solutions, with a focus on driving innovation in how healthcare is delivered and experienced.

Saba is a strategic and forward-thinking leader who helps organizations navigate the complexity of health and benefits while advancing more integrated, people-centered approaches to care. She works with clients to design strategies that balance cost, quality, and equity, while improving engagement and long-term outcomes.

Her experience spans senior leadership roles at Aetna, Mercer and Aon Hewitt where she led large-scale initiatives across population health, clinical programs, and health navigation. At Aetna, she managed a portfolio of clinical products serving more than 14 million members and played a key role in expanding access to care, including advancing women’s health and transgender health initiatives.

At Howden, Saba leads the East Region with a focus on integrating data, clinical insight, and innovation to deliver measurable impact. She partners closely with clients to reimagine benefits strategies around whole-person health and more connected care models.

Saba holds a Master’s in Health Administration from Xavier University and a Bachelor of Science from the University of Florida. She is based in Northern Virginia, where she enjoys running, cooking, and spending time with her family.