Most small and mid-sized companies got scant explanation for their latest renewal and rarely shopped it, leaving nearly half paying the first number insurers offered, according to Ignition Benefits.
More than a third of employers reported health plan premium increases of 10% or more at their latest renewal, and pharmacy and voluntary benefits are facing similar scrutiny, according to Gallagher.
Employer benefit plan exposure to cell and gene therapies is limited by operational and clinical barriers, but those constraints are beginning to erode, Lockton reports.
High-cost claim frequency has nearly tripled over five years and severity accelerated sharply in 2025, according to QBE North America’s 2026 Accident & Health Market Report.
Brokers overwhelmingly expect affordability pressures to transform benefits plan design within five years, according to the Council of Insurance Agents & Brokers.
Accelerating claim frequency, catastrophic condition costs, and specialty pharmacy inflation are pressuring rates in the medical stop loss market, according to Tokio Marine HCC.
Leadership skill gaps act as a “cascade trigger” for downstream workforce risks, while employee financial insecurity emerges as a top-five concern, according to Marsh’s People Risk 2026 report.
Nearly three-quarters of employers report increased responsibilities, prompting shift to one-stop solutions, according to The Hartford’s 2026 Future of Benefits Study.
Newfront’s Kimily Phu discusses employee benefits trends, regulatory challenges, and career advice for brokers in today’s complex, cost-pressured environment.