Escalating

Healthcare Costs

  • 2025 US average cost of healthcare coverage at 9%, $16,000 per employee.

  • 2025 Rx drug costs to increase about 8%.
  • Rx growth tied to specialty drugs,
    GLP-1 meds for diabetes and obesity.
  •  129 million people in US have at least 1 major chronic disease – heart
    disease, cancer, diabetes, obesity,  hypertension.

Growth in
Self Insurance

  •  65% of US workers enrolled in self-insured plans, increase among small, medium-size companies.

  •  80% of US counties have majority of enrollees in self-funded plans.

  •  765,000 private pension plans and
         619,000 other welfare benefit plans,  cover 153 million American
     workers     and beneficiaries.

Large US Employers

  • Cover 17.1 million people.

  • Many dropped reinsurance to protect high-cost claims,

        increases vulnerability to significant risk from costly claims, new gene and cell therapies.

  •  65% of full-time employees struggle
     with at least one unmet Social
     Determinant of Health and     10%
     higher health care costs.