What do employees want from their health insurance?

Employees want health insurance that provides them comprehensive coverage, is affordable, and is easy to use. Here are some specific things that employees often look for in a health insurance plan:

Comprehensive coverage: Employees want health insurance that covers a wide range of medical services, including preventive care, primary care, specialty care, prescription drugs, and hospitalization.

Affordable premiums and out-of-pocket costs: Employees want affordable health insurance that fits within their budget. This can include plans with lower premiums and deductibles and health savings accounts (HSAs) or flexible spending accounts (FSAs) to help them manage out-of-pocket costs.

In-network providers: Employees want access to a vast network of healthcare providers, including doctors, specialists, and hospitals. They also want to be able to see their preferred healthcare providers without having to pay more out-of-pocket.

Easy-to-use benefits: Employees want health insurance that is easy to understand and use, with clear information on what services are covered, how to find in-network providers, and how to file claims. They also want access to helpful customer service representatives who can answer their questions and help them navigate the healthcare system.

Wellness programs and preventive care: Employees want access to wellness programs and preventive care services that can help them stay healthy and avoid costly medical expenses in the future. This includes health screenings, flu shots, and smoking cessation programs.

Employers who prioritize these factors in their health insurance plans are more likely to attract and retain top talent.