INSURICA Employee Benefits Insights
Keeping you ahead of the risks and challenges unique to your industry.
October 2022
“According to Mercer, for 2023, 41% of employers plan to offer a low-deductible or no-deductible medical plan option, while 11% will provide an option for free coverage for employees for at least one medical plan.
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Employers Look to Improve Health and Benefits Offerings Ahead of 2023 Open Enrollment
To attract and retain top talent, employers are increasingly offering improved health and benefits packages. A recent survey by Mercer found that more than two-thirds of employers plan to make changes to their health care and benefits offerings ahead of open enrollment for 2023.
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Could Looming Recession Endanger Remote Work?
The ability to work from home has been a lifeline for many during the COVID-19 pandemic, but some feel that a recession could jeopardize remote work. The coronavirus pandemic forced millions of American workers to do their jobs from home. It was a challenging adjustment for some, but overall, working remotely proved to be a lifesaver for many people who otherwise would have lost their jobs or had to take significant pay cuts.
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Virtual Physical Therapy: The Rise of Telerehabilitation
Healthcare experts predict that virtual physical therapy, or Telerehabilitation, of musculoskeletal conditions will become increasingly popular and will likely comprise a significant portion of telehealth services delivered in the future.
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Fertility Treatments Could Be Affected by State Abortion Bans
In states where abortion has been banned, fertility treatments could also be affected, even if unintentionally. If the wording of the abortion bans is not careful, it could make some fertility treatments illegal and make it more difficult for people to access them.
Related Articles
RxDC Reporting: What Employers Should Do Before the June 1 Deadline
Each year, group health plans must report detailed prescription drug and healthcare spending data to the Centers for Medicare & Medicaid Services (CMS). This reporting—commonly referred to as RxDC reporting—is due by June 1 and applies to most employer-sponsored group health plans that offer prescription drug coverage.
Chronic Condition Management 2.0: GLP-1 Alternatives and New Digital Therapeutics
Chronic conditions have long been the primary driver of employer healthcare spending, but 2026 marks a turning point in how organizations are approaching prevention, treatment, and long-term management. With GLP-1 medications dominating headlines — and budgets — employers are urgently exploring complementary or alternative strategies that can improve outcomes without unsustainable cost growth. The result is a new wave of digital therapeutics, metabolic health programs, and integrated care models that promise a more balanced approach to chronic disease management.
The Return-to-Office Reset: How Benefits Are Being Re-Engineered in 2026
After several years of experimentation, many employers are tightening hybrid schedules or requiring more in-office days. This “return-to-office reset” is reshaping benefits strategies as organizations look for ways to support commuting employees, improve onsite experience, and maintain flexibility. What began as a workplace policy shift is now driving a broader rethinking of how benefits can reinforce culture, productivity, and retention.