Employer-Paid

The 2025 workplace flexibility debate reached new intensity when President Trump’s federal return-to-office mandate on his first day back in office sent shockwaves through both public and private sectors.

The shift from premiums to PEPM, and from claims savings to ROI, reflects a deeper transformation in how we think about health care financing.

The attack affected the information of agents and employer customers, as well as of coverage beneficiaries.

The American Benefits Council, America’s Health Insurance Plans and the Association of Federal Health Organizations joined ERIC in the brief.

For employers, advisors, and individuals alike, 2026 won't just be about reacting to these changes — it will be about mastering a new landscape of high-cost innovation and shifting federal support.

“In the vast majority of metropolitan areas across the country, health insurers hold outsized market share -- leaving patients with fewer choices and higher costs,” said Dr. John M. Whyte, CEO and executive vice president of the American Medical Association.