Health Insurance Trends: Costs Up, Flexibility In

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Health insurance premiums have surged 24% since 2019, with employers expecting a 9.2% increase in 2025. To manage costs, many are shifting to flexible benefits like ICHRA plans and expanding mental health coverage, now prioritized by 41% of employers.

AI is transforming the insurance landscape, projected to save $150 billion annually by streamlining claims, underwriting, and customer service. Meanwhile, record ACA enrollment and demographic shifts are reshaping private insurance. Consolidation among insurers is also impacting premiums and plan diversity.

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As consumers demand more personalized, affordable coverage, insurers must modernize legacy systems and embrace digital-first strategies. The winners will be those who balance cost control with member engagement.