Health insurance is rapidly evolving, requiring providers and employers to be adaptable. If you have employees, you must consider what they need from their coverage while considering costs. Here’s a guide on 2025 developments in health care benefits.
What Are the Major Trends Emerging in Health Care Benefits?
Understanding recent developments in health care benefits helps providers adequately adapt to client needs. Here are five healthcare benefits trends to watch.
1. Personalized Packages
A one-size-fits-all approach rarely suits all employees. Health insurance companies are shifting toward personalized packages to meet individual needs.
In January, eHealth launched Iris to help companies support their employees while mitigating the unpredictability of health care costs. The program lets employees select a plan from local insurance companies and choose their preferred doctors. Then, the eHealth team manages enrollments while directly supporting workers.
2. Generation-Specific Benefits
Personalizing health care plans should account for what people need at each age. Generations will likely have different priorities when assembling their coverage. For example, a 2025 Marsh McLennan Agency survey said millennials want family planning support while Gen Z desired mental health services.
Employees who enjoy their benefits are more inclined to stay with their company. The Marsh McLennan Agency report said 73% of employees would remain if plan options were better.
3. Preventive Care Coverage
Preventive care detects diseases and improves health outcomes, though not everyone takes advantage of it. High co-pays and deductibles can deter people from getting regular checkups and caring for their bodies. However, Arete Health is changing insurance benefits by covering these essential services.
The health care company announced it would cover preventive services like comprehensive blood testing. Once they have the results, they’ll personalize your journey through coaching and actionable recommendations for diet and exercise.
4. Improved Customer Experience
Navigating the complexities of health insurance is challenging for Americans. A 2024 Accenture survey said 52% of payers switched coverage providers because of negative experiences. These respondents cited inconsistent information, poor customer service and digital struggles.
Insurers must foster user-friendly experiences. Companies are responding with more enhanced digital platforms where customers can easily pay bills and file claims. Self-service options let people handle requests without contacting a service representative.
5. Food and Medicine Access
Depending on your location, access to medicine and healthy food may be limited or expensive. Some people rely on government assistance or other services to obtain these goods. Now, you may be able to use your health insurance benefits to cover the cost of food and over-the-counter medication.
Soda Health recently announced its partnership with Southeastern Grocers and unveiled the &more Smart Benefits card program. This program lets members purchase food and medicine with their health insurance card. Each beneficiary receives a personalized plan to buy approved products.
Where Can You Find Health Care Benefit Solutions?
Health care spending can affect an employer’s bottom line. However, there are ways to save money. Here are the five best companies for cost-effective benefit solutions.
1. The Difference Card
The Difference Card delivers customized health insurance benefits and reduces costs by 18% on average. Employees spend less out of pocket, and the employer doesn’t see increased fees. The company also boasts fast times, with 99% of claims processed in two days or less.
Key features:
- Customized benefit plans
- Guaranteed savings
- Dedicated client success teams
- 90% retention rate
2. Clarity Benefit Solutions
Clarity Benefit Solutions has helped employers, brokers and employees for over three decades. The company has a unique approach, leveraging industry-leading technology to help employees decide and manage their benefits. If you choose Clarity, you get comprehensive administration solutions in one service.
Key features:
- Tailored employee benefit solutions
- App with a self-guided experience
- 30 years-worth of insurance expertise
- Employee integration and education programs
3. Ameriflex
Ameriflex helps users understand health care through tax-advantaged accounts. While insurance can be a hassle, this employee benefits provider assists consumers in navigating the challenges and improves peace of mind.
Key features:
- FSA, HSA and HRA accounts
- Quick customer service response
- Over $2 billion saved since 1998
- Nationwide service
4. Navia Benefit Solutions
Navia Benefit Solutions provides comprehensive benefits administration to 10,000 clients in all 50 states. The Washington-based company helps employers with their insurance plans, COBRA and other crucial benefits. Since 1989, it has boasted professional communication and a dedication to incorporating customer feedback.
Key features:
- User-friendly resource library
- Clients in all 50 states
- 24/7 member support
- Over 1 million enrolled members
5. Triton Benefits & HR Solutions
Triton Benefits & HR Solutions prioritizes helping your business optimize its health care coverage. Each year, your team will have a strategy session to improve plans while paying lower prices. Triton uses cloud technology to ensure security in all communications.
Key features:
- Bi-annual plan reviews
- Secure cloud technology
- Dedicated team for each client
- Long-term planning assistance
Making Health Insurance Benefits Easier for All
The health care industry changes quickly, so employers and insurers must understand the major emerging trends. Insurance companies are moving toward personalized plans to improve the experience and ensure quality care. Others are introducing novel approaches like covering food costs and preventive services.
