Market Insights

With increasing doubts about whether they can afford to retire, where Americans choose to live during their golden years may make a big difference.

According to two HR leaders at remote-first companies, capturing that ROI takes the right culture, leadership support and an HR function willing to be bold, agile and creative.

Across other generations, 38% of Gen X survey respondents, 31% of millennials and 18% of Gen Z reported feeling better about their financial situation in 2025 compared to 2024.

Currently, the U.S. health care system has high rates of health spending and poor health outcomes, relative to other countries.

Key regional observations for 2025 reveal that the east region consistently shows the highest medical trends across all plan types, with Med/Rx combined at 10.04%.

The fact that HR professionals often face challenges applying financial wellbeing benefits to their own lives highlights the emotional and mental load HR teams carry.