By injecting big data and analytics into the benefits experience, employees will be able to make more informed and better benefits decisions.

COVID-19 has drastically changed the way we live, work and do business. However, it's disastrous effects have sparked a new wave of innovation across the health care and insurance industry. By exposing some of the gaps that negatively impact the employee experience, new technologies driven by big data, analytics and AI have risen to meet those challenges head on.

Consumers today expect superior customer experiences – and when choosing their benefits, it should be no different. In fact, 71% of consumers say that "living profiles" with more detailed personal preferences would be useful if they were used to curate personalized experiences, products and offers. In the employee benefits arena, delivering personalized experiences, especially when it comes to choosing and using benefits, is paramount.