Health insurance is an important component of employee compensation and typically represents a company’s largest non-wage benefit expense. As health care costs continue to rise in the United States, access to competitive health insurance is essential for employees who rely on these benefits to help alleviate rising health care costs. For employers, offering a comprehensive health insurance package is an essential tool not only for attracting talent but also for retaining workers seeking jobs that offer better coverage.
Employer-sponsored plans remain the primary source of health insurance for most Americans under age 65 and their families, with approximately 165 million people covered in 2023. However, the cost of providing these benefits is becoming increasingly difficult for both employees and employers. Forecasts for 2025 predict that healthcare costs will increase by 8%, reflecting continued upward price pressures.
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