Only 15% of U.S. employees say they feel fully prepared to cover a $6,000 emergency room bill. On the other hand, 45% would feel panicked, and 34% would go into debt or don't know how they would pay. That's one of several notable findings in a new report from Businessolver, an independent benefits and HR technology company.

The "2026 Benefits Insights Report" analyzed data from more than 19 million health plan participants across the 2025 plan year and reveals widespread financial vulnerability in today's workforce. It also highlights how anticipatory insights — real-time signals drawn from employee engagement, service interactions, and behavior — can help HR leaders move from reactive benefits administration to proactive risk identification and cost management.

"For years, HR has had to rely on hindsight data and lagging indicators to understand what went wrong," said Rae Shanahan, Businessolver's chief strategy officer. "Anticipatory insights allow leaders to see risk earlier, before confusion escalates, before stress compounds and before a costly claim occurs."

This year's data, she added, shows how much opportunity there is when HR can act ahead of the problem. For example:

  • Industry, not age, is a key fault line: Benefits understanding and financial readiness vary significantly by industry and income level, increasing the risk of plan mis-selections, delayed care, and avoidable costs for lower-earning and frontline workforces.
  • Gen X shows emerging risk signals: Often assumed to be financially stable, Gen X reports the lowest self-rated health, the highest rates of multi-prescription use, and the greatest likelihood of planning a surgery in the coming year — all potential indicators of rising cost and care complexity for employers.
  • HR success is shifting from volume to prevention: The report introduces "quiet" as a marker of effectiveness — fewer escalations, fewer repeat questions, and issues resolved before they surface. 

According to the company, the report underscores how proactive and anticipatory service models can reduce employee confusion and operational strain by resolving issues earlier — often outside traditional business hours — and minimizing repeat inquiries and escalations. In other words, by intervening earlier, employers can prevent avoidable confusion and claims while protecting HR capacity.

"This isn't about replacing human support — it's about resolving issues earlier and more completely with empathetic and expert service," said Carey McKenzie, Businessolver's chief client officer. "When employees get the right guidance at the right moment, confidence increases, confusion decreases, and HR regains meaningful capacity. That combination delivers measurable savings and a better experience for everyone involved."

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