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.

Stethoscope on health insurance form indicating open enrollment for 2023.

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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An African-American male engaging with peers via video conference call while doing remote work.

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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An eldery man, with his right leg in a cast, meets with a telerehabilitation doctor via video conference.

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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Patient couple meeting with fertility doctor

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.

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15 Low- and No-cost Employee Benefits to Offer

February 28th, 2024|0 Comments

Employee benefits are the cornerstone of a thriving organization. Perks and benefits are pivotal in enhancing job satisfaction,attraction and retention rates, employee well-being and overall workplace morale. While some organizations may feel constrained by budget limitations, there are numerous low- and no-cost benefits that can significantly impact employee happiness and productivity.

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What the Transformation of PBMs Could Mean for Employers

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When nonprofit health insurer Blue Shield of California announced significant changes to how it conducts pharmacy benefit management (PBM) for its 4.8 million members, the health insurance industry took notice. What does this mean for employers sponsoring health plans? There are a few key points they shouldn't miss.

  • Six Healthcare Trends Employers Can't Afford to Ignore in 2024: A group of diverse colleagues sitting around discussing their mental health.

Six Healthcare Trends Employers Can’t Afford to Ignore in 2024

February 20th, 2024|0 Comments

Employers are facing immense healthcare cost pressures going into 2024. According to industry experts, medical benefit expenses are predicted to rise 5.4% next year — outpacing the 3-4% average annual increases seen over the past decade. This spike ties back to factors like lingering inflation, more expensive treatments, and pandemic care deficits coming due.