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Key Benefits Trends in 2022 <br />Employers are rethinking benefitsMedical cost trend projected to be Focus On Specialty Drugs <br />6.5% in 2022 <br />Increased utilization due to COVID Specialty spending continues to drive <br />overall costsevaluate targeted <br />priorities other than compensation. <br />interactions with digital medicineprograms, along with contract terms, <br />clinical programs and benefit design <br />Employers are evolving to a total <br />More employers will turn to captives and <br />rewards approach based on pay, <br />other alternative health insurance plans <br />benefits, work arrangements and other <br />Gene & cellular therapies, which treat <br />Self-funded plans move down <br />factors to build resilience and support <br />and potentially cure previously <br />market <br />well-being. <br />untreatable diseases, are an area of <br />EB captives <br />concern given their extremely high <br />Individual coverage health <br />Through analytics, personalized benefit <br />prices <br />reimbursement arrangements <br />packages will become the norm. <br />(ICHRAs) <br />Improve how employees engage, <br />access, and experience benefits <br />New health care delivery channels see <br />Use HUB Persona Analysis to <br />wider adoption <br />understand what benefits make <br />Higher adoption of lower-cost sites <br />sense to specific employee <br />of care, like virtual visits, has helped <br />segments <br />slow cost growth <br />Direct primary care models <br />becoming more common <br />Sources: HUB, Employee Benefits Outlook 2022: How Benefits Will Help Shape Recruiting and Retention, December 2021. MetLife, 19th Annual U.S. Employee Benefits Trends Study, 2021. <br />© 2022 HUB International Limited. <br />29 <br />PWC Health Research Institute, Medical Cost Trend: Behind the Numbers 2022, June 2021.Willis Towers Watson, Findings from 2021 Emerging Trends in Health Care Survey, May 2021. <br /> <br />