1、Large EmployerEditionLarge EmployerEdition2022 State of Employee BenefitsFor more information, and Perspectives on the New Normal in Benefits.4 2022 Key Insights.4What benefits are employers offering?.5Employer Health Plan Offerings.5Consumer-Directed Health Care Accounts.6Voluntary Benefit Offering

2、s.7How much are employers and employees spending on health insurance?.10Health Plan Premiums.10Employee Out-of-Pocket Costs.12Which benefit options are employees electing?.14Health Plan Participation.14Health Savings Accounts.16Voluntary Benefits Participation.18Looking Ahead.20About the Data.21Abou

3、t Benefitfocus.21Appendix.2242022.B,Inc.All Rights Reserved.Insights and Perspectives on the New Normal in BenefitsBenefitfocus is pleased to present the fifth annual State of Employee Benefits report,featuring insights based on decisions made on our platform for the 2022 plan year.Unlike self-repor

4、ted surveys,the State of Employee Benefits uses actual enrollment data to provide a one-of-a-kind look at behavior-based trends in:2022 Key InsightsThis is the second year looking at employee benefit trends amid an ongoing pandemic,and the“new normal”is already different from what it was at the star

5、t of 2021.COVID-19 vaccines are now widely available,leading many employers to implement specific return-to-work policies based on vaccination status.The emergence of new variants has collided with widespread deferred care to introduce new factors in health care costs.Meanwhile,employees quitting th

6、eir jobs at historic rates began the era of“The Great Resignation.”The resulting talent shortage,along with the expansion of remote work,has employers reimagining recruitment and retention strategies.This report aims to illustrate how these challenges are shaping employer benefit plan design and emp