"In what remains a tight labor market, employers are absorbing most of the health care cost increases," said Debbie Ashford, the North America chief actuary for health solutions at Aon. Health Care Plan Costs from 2021 to 2022 Plan Cost In terms of 2022 health plans, employer costs increased 3.7 percent, while employee premiums from pay checks were slated to rise a more modest 0.6 percent from 2021, according to the firm's analysis. The projections were developed after taking plan design changes and workforce adjustments into account. employers representing 5.6 million employees. The firm's projections are derived from its database of health care costs and benefit designs for nearly 700 U.S. Will increase 6.5 percent to more than $13,800 per employee in 2023, up from $13,020 per employee in 2022, according to professional services firm Aon. employers pay for their employees' health care For now, we are seeing the majority of employers prioritizing attractive benefits."įorecast: Average Health Care Cost per Employee Rising to $13,800 "They must manage rising health care costs while making smart decisions about how to attract and retain the workers they need. "In today's environment of record-breaking inflation and widespread labor shortages, employers face a really tough balancing act," Watts added. "Employers want to do what they can to keep more money in employees' paychecks and remove cost barriers when care is needed.
"Health care affordability is a real issue for many employees, especially with inflation stressing household budgets," said Tracy Watts, Mercer's national leader of U.S. In a survey conducted earlier this year, Mercer found that 11 percent of large employers will offer employees free coverage in at least one medical plan in 2023 another 11 percent are still considering it.
If they made no changes, respondents indicated that the cost for their largest medical plan would rise by an average of 7 percent.ĭespite rising costs, most employers are not planning to increase employees' share of coverage costs in 2023, such as by raising deductibles or co-pays, Mercer reported.Īmong large employers (those with 500 or more employees) responding to the survey, employees will be required to pick up 22 percent of total health plan premium costs, on average, in 2023 through paycheck deductions, unchanged from 20. The projected increase of 5.6 percent reflects changes that employers plan to make to hold down cost. "Those may well come in higher as insurance carriers hedge their bets in today's volatile health care market," he added. Patel cautioned that while most large, self-insured employers have a good sense of their 2023 premium costs at this time, many smaller, fully insured employers have not yet received renewal rates from their health plans.
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