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People in front of enrollment screen In order to recruit and retain the best workforce possible, you need to provide a health benefit that serves everyone based on their individual needs. (Image: Shutterstock)

Employers are taking monumental steps to promote diversity, equity and inclusion across their benefit programs and workplaces. Even as I feel optimistic about the significant effort and progress being made, I offer candid caution about the structural roadblocks that could undermine your hard work.

Some of the most common elements of insurance design, like high deductibles, have been found to act as barriers to care and exacerbate health disparities. Moreover, “one-size-fits-all” health plan design is inherently inequitable because it treats all employees as if their health journeys, care needs, and financial resources are similarly situated.

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