- Key Insight: Discover how benefit design failures create “functionally uninsured” employees despite rising employer spending.
- What’s at Stake: Low utilization threatens retention, productivity and potential compliance or financial exposure.
- Supporting Data: Employers spend nearly $20,000 per employee; costs rose about 7% in 2026.
Source: Bullets generated by AI with editorial review
Employers are now spending nearly $20,000 a year per employee on health insurance, yet many workers still don’t understand what they’re getting in return.
