With health care costs projected to rise 8% in 2025, supplemental health benefits play a vital role in providing financial protection and addressing coverage gaps.

U.S. supplemental health product sales exceeded $2 billion in early 2024. Now with innovative coverage features and services, brokers have new ways of meeting client needs.

With 80% of insurance companies using or planning to use AI in the next year, carriers and brokers must harness the technology's potential while ensuring appropriate governance.

With one in three Canadians employed by multinational companies, translating employee benefits to fit the market’s needs and expectations is key. U.S. brokers need to partner with local brokers and third-party administrators to ensure cross-border success.

Over a third of employees report they do not understand their supplemental health benefits. Brokers can help employers close the knowledge gap not only at enrollment, but year-round.

ICHRA adoption continued to grow in 2024, including an 84% increase among companies with 50 or more employees. By tapping into four key trends for 2025, benefits consultants and advisors can help their clients better optimize ICHRA as a solution.

Over a third of U.S. workers expect their financial situation to improve. Brokers are well-positioned to help employers boost their workforce's financial health – and optimism.

With 73% of U.S. workers reporting that mental health benefits help employers attract and retain talent, brokers can help their clients design benefits packages that meet the needs of their employees.