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1、 US Benefits Trend Report 2024insightsfrom theexpertsTable of ContentsA Letter from Kim.2Key Takeaways.4Medical and Rx.6Cost-Containment in the Data Age.6Medical/Rx Planning.10Pharmacy Benefits.23Aligning PBM Relationships with Plan Goals.32The Next Step:Cost and Quality Accountability.34Well-Being

2、and Engagement.36Success Through Strategic Well-Being.36Five Principles for a Holistic Well-Being Plan.44Investing in People,Investing in Success.54Voluntary Benefits.66Opportunity in a Challenging Environment.66High Deductibles and the Modern Worker.72Benefits that Fit.82About the Data.83About the

3、Experts.84 2024 NFP US Benefits Trend Report :1 2 :2024 NFP US Benefits Trend ReportHealthcare costs continue to rise,compelling employers to seek novel ways to contain them.In fact,recent data projects a 7%hike in trend,suggesting that inflation will continue to impact efforts to provide affordable

4、 access to quality care.As part and parcel of increasing medical trend,there are well-founded concerns about rising provider costs,gene therapy treatments,and unyielding demand for GLP-1 weight loss drugs.This is especially salient given employee demand for more than simple access to care.Employees

5、want a comprehensive benefit package that can be tailored to their individual needs.Perhaps unsurprisingly,the majority of employees are pay-ing closer attention to what is being offered to them and placing more emphasis on financial protection and overarching well-being support.Complicating this ef

6、fort are conflicting viewpoints on the value of various benefit components.There are noted differences between what employers and employees value,on top of generational differences across the workforce.Resolv-ing discrepancies in employee benefit perception and overall satisfaction will be one of th