Top Health Benefits Trends for Small Business in 2022

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There’s no doubt that the health insurance benefits your company offers will have a huge impact on the type of talent you can attract. If you want to retain your best employees and attract hard-working new hires, you’ll need to offer health care benefits that reflect what employees need and want in today’s society. In other words, you need to stay on top of current benefits trends to stay relevant. Before you contact group health insurance brokers in Santa Rosa, take a look at the following health benefits trends for small and medium-sized businesses.

Telehealth

The benefits of telehealth are steadily growing in popularity. Before the pandemic, telehealth use was on the rise, but it was clear that many employees preferred seeing a healthcare provider in person. However, during the first few months of the pandemic, telehealth use increased dramatically, prompting many physician practices to change the way they interact with patients.

Offering telehealth benefits is a great way to attract employees, primarily because telehealth visits tend to be efficient, safe, and cost-effective. Telehealth visits for primary care and mental health are especially popular right now, but as time progresses, additional types of offerings such as chronic care and remote monitoring will also become popular. The telehealth revolution is also credited with making healthcare more convenient and accessible for individuals and families.

Mental health coverage

Historically, health insurance has treated mental health as a secondary need, and many employees did not have access to mental health coverage at all. Recently, especially with the onset of the pandemic, mental health has begun to gain increased attention from society. Mental health conditions such as depression and anxiety are no longer considered taboo by many. For this reason, employees now expect to receive mental health coverage as part of their health benefits package.

There are many benefits to prioritizing mental health in the workplace. Mentally healthy individuals perform better, and this improved performance is beneficial to both employees and the company as a whole. Some employers have even started offering health insurance packages that include a limited number of free counseling sessions. Other popular mental health offerings include access to 24/7 emotional support lines and mental health-oriented apps.

Caregiver support

Being a caregiver is tough, and caregivers are often left without support in the workplace. In the past, health insurance benefits have had little impact on caregivers, who often struggle with mental health issues such as severe stress and emotional exhaustion. With America’s aging population steadily increasing, workplaces across the country can expect to see more employees become caregivers in the coming years.

Fortunately, employers can help caregivers in a number of ways. By offering a benefits package that includes mental health benefits, as well as caregiver support programs, employers can show their caregivers that they are not being neglected.

Home health care

The era of traditional home doctor visits may be over, but employers are now offering benefits that take home health care into account. Demand for home care is growing rapidly, especially among America’s seniors. Home care is becoming more popular as individuals seek benefits that cover medical care, palliative care, behavioral health, and social services.

Personal benefits

To attract the best employees, companies will need to offer health care benefits that reflect today’s diverse workforce. To do this, employers are starting to see the benefits of offering personalized benefits packages to employees. More progressive employers are now taking factors like age into account when offering benefits, as well as lifestyle and financial status. To attract younger workers, employers are now offering increased mental health benefits in addition to other perks like gym reimbursement. At the other end of the spectrum, older employees are often more interested in benefits like long-term disability.

To provide the best benefits, employers will need to conduct surveys and studies on their employees to learn more about their wants and needs. Employers can also save money by eliminating benefits that are no longer useful or desirable to their employees.

Lower insurance costs for employees

Over time, the cost of family insurance premiums has risen sharply and far outpaced wage growth. This may sound like bad news for employees, but recently, more employers have begun to bear a larger share of the costs associated with premium increases. This takes a significant amount of financial pressure off employees. High-deductible health insurance plans are also becoming a thing of the past because they don’t offer many benefits to employees.

Employees are also starting to move toward plans that provide more predictable health care costs and help them manage more serious medical conditions. For this reason, employers are starting to offer plans that include:

  • More transparent pricing tools
  • Resubmit co-payments
  • Additional options for specialized care
  • Options for managing chronic health conditions

Offering health insurance that takes some of the financial burden off employees is a great way to attract top talent and maintain employee loyalty.

Contact us

Here at Sackett & Associates Insurance Services, we understand current benefit trends and patterns. We will do our best to help you find the right type of
Insurance benefits For you and your employees.
Contact us Today to learn more about our insurance offers

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