MMB health trends 2023 

The top trends shaping employer-provided healthcare

MMB’s Health Trends global survey of 226 insurers across 56 countries identified five key themes driving costs and risks in employee health benefits.

五大趋势

Top trends driving the future of employer-provided healthcare
  • Per-person medical cost

    Per-person medical cost increases are back to pre-pandemic levels. 68% of insurers expect plan sponsors to prioritise design improvements despite forecasted double-digit medical trend rates in some markets.
  • 索赔的经验

    COVID-19 continues to impact claims experience. 55% of insurers report an increase in later-stage diagnosis of illness due to deferred care.
  • 现代化计划

    现代化计划 has begun. 1 in 2 insurers has changed or expects to change eligibility requirements and eligible expenses to make coverage more inclusive for those who identify as LGBTQ+.
  • 心理健康差距

    心理健康差距 persist. 16% of insurers report not providing plans that cover mental health services (versus 26% in 2022).
  • 计划管理

    计划管理 requires greater rigour. 超过五分之一 insurers in Asia are adjusting medical plan premiums based on COVID-19 vaccination status.
These trends are important for employers to consider as while many firms have latitude in designing their benefit plan to meet their needs, insurers play a key role in shaping the benefits landscape. They do this through their standard practices and policy language, their willingness to adopt new provisions, and their access to large pools of claims data.
A significant number of insurers are adding innovative features to medical products, such as digital health and self-care tools to ways of connecting individuals with better quality care.

Download the Health Trends Report

MMB Health Trends 2023

Get an in-depth look at the latest medical trends and learn how you can respond to them by downloading the full report.

MMB Health Trends 2023 Infographic

A bite-sized overview of the key findings from this year’s research.

Insurer innovation is one silver lining of COVID-19

COVID-19 has had significant short- and long-term impacts on people’s lives, 健康风险, 费用和诊断. However, it has also driven insurer innovation and plan modernisation.
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