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Employers’ benefits policies are led by trends in health insurance, which, in turn, are driven by ACA legislation and past/present cost controlling challengers.

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Industry Issues

Employee benefits providers are facing three daunting challenges: 1) changing employee demographics; 2) employers battling rising health benefit costs; and 3) employers are covering fewer staff. Addressing these challenges sooner rather than later opens up new roads for market expansion.

Key Findings

  • The percent of employers offering benefits dropped significantly between 2000 and 2014 and has remained flat since — event though the overall economy is improving.
  • Employers’ benefits policies are led by trends in health insurance, which are driven by ACA legislation and past/present cost controlling challenges. 
  • Though providers are trying to create more effective benefit communications, the messages are not getting across… Enrollment rates are often a derivative of employers’ funding methods, versus the value of these products to employees.

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Meet the Project Director


For more information, please contact ybabushkina@limra.com.