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2025 Employee Health & Benefits Trends
Learn more about trends, challenges, and key offerings in the benefits marketplace.
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Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement & wealth, and private client insurance solutions to organizations and individuals seeking limitless possibilities.
Designed to meet the unique needs of growing companies, MMA combines unique solutions with advanced technology and human connection. Working with MMA, you’ll have access to the global resources of Marsh while working with passionate professionals in your community.
Cost-per employee in the Midwest averaged $15,530 for all employers in 2023, an increase of 4.6%.
Runaway inflation may have cooled but employers have begun to feel its impact on health plan cost, and accelerated cost growth is expected to continue over the next few years.
Report findings
Total health benefits costs per employee
Prescription drug spending trends
Strategies employers are using to boost health care affordability
Benefit offerings that matter the most
And more
4 key themes for 2025
Learn more about MMA’s Employee Health & Benefits Trends report and ways to managed the trends of the future.
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Harnessing the power of today’s intergenerational workforce is mission-critical to organizational success and well-being.
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What’s causing the increases in costs?
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· Inflation
· Health care provider contract increases
· Prescription drugs – 7.8% increase
· Specialty medications (after rebates) 10.5% increase
Bridging the generation gap
Unretirement and Boomers’ return to the workplace will continue to change workplace demographics for years to come.
How can employers work to bolster the multigenerational workforce?
AI has already transformed how organizations function and will continue to drive change in all areas of the workplace.
How can organizations use AI to remain competitive and improve organizational functioning?
AI holds the potential to help employers improve productivity and support employees in critical roles, but organizations should carefully plan when and how to use AI.
Keeping up with the AI revolution
Employers are reconsidering their approach to pharmaceutical spending.
How can employers optimize pharmaceutical spending, and improve their employees’ access to medication?
Rx reset
PBMs face scrutiny for opaque pricing models and their role in rising pharmaceutical costs.
Employers are reconsidering their PBM relationships and seeking more transparent alternatives.
There’s no end in sight to rising health care costs. Health care costs remain a significant challenge, driven by inflation, new treatments, and an aging population.
How can employers keep up with ballooning health care costs?
Cost-shifting strategies are growing, with some large employers considering transferring more health care costs to employees.
The (ever) rising costs of care
