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Discover how rising healthcare costs are reshaping workplace benefits—and how smarter strategies can protect budgets, employee well-being, and trust. 

Summary

This study examines how rising healthcare costs intersect with workplace benefits strategy, including employers’ cost-management considerations, benefit tradeoffs, plan design decisions, employee communication needs, and the potential workforce impact of benefit changes. 

In May–July 2026, LIMRA conducted U.S.-based primary research among 572 workplace benefits decision makers at U.S. employers, three online focus groups with 11 full-time employees ages 21–64 enrolled in employer-provided health insurance and at least one other benefit, and a July 2026 U.S. Consumer Sentiment survey of 3,000 adults, including 1,131 employees enrolled in employer-sponsored medical insurance. 

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

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