Consumer Driven Health Care

The three largest PBMs, including CVS Caremark, Express Scripts and OptumRx, "handle 79% of U.S. medical prescriptions for approximately 270 million people."

Even before the COVID-19 pandemic, the health care labor market faced challenges, with the demand for professionals outpacing supply.

On average, Marketplace enrollees had access to 40% of the doctors near their home through their plan's network, with considerable variation around the average.

Employers generally turn to direct contracting expecting lower costs, shared savings, and easy implementation. Most respondents reported expecting savings between 6% to 20%.

Fertility and adoption support are advantageous in attracting and retaining talent as well as supporting employee wellbeing.

Health care costs are projected to increase 8% in 2024, as pharmacy design is at the forefront of plan changes, according to Aon's 2024 U.S. Health Survey.