In a"war for talent," workers may see more perks, and they also may find that their health plans offer narrower doctor networks and emphasize less-costly telehealth care, as employers seek to rein in health care costs without making workers pay more out of pocket.
Behind the trends are two major changes: a shift to remote work and a challenging labor market. So employers are enhancing some offerings while also limiting big health premium increases and higher copayments that might sour employees and give them a reason to seek jobs elsewhere.
Among the largest employers — those with 20,000 or more on the payroll — about a third said they would reduce the share of health premiums shouldered by workers, while 17% said they would increase it, Mercer found. And in a trend to make care more affordable for lower-wage workers, some employers may vary their contributions to employee health care premiums, based on the employees’ jobs and their level of pay. Employers may contribute less to higher-paid workers’ health premiums, shifting more cost to them, and contribute more to lower-paid workers, to help them pay for the care they need. About a fourth of employers do this now, and 8% more are planning on doing it in coming years, Willis Towers found.
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