By attempting to please everyone, employers can find themselves in the unenviable position of pleasing almost no one.

"Employers provide health benefits to nearly 153 million Americans, which puts them in the health insurance business whether they want to be or not," the 2024 State of Employee Heath Benefits report from SureCo said. "In the current model, business owners, finance professionals and human resource leaders face the impossible task of selecting and paying for plans intended to suit everyone, but rarely do. And thanks to the looming threats in the greater health care sector, their job is only getting harder."

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