1、Getting the right balance between managing costs and meeting employee needsHealth Trends 2024 The rising cost of medical care is a significant concern globally,and over half of countries are forecast to see double-digit rate increases on average over 2022,2023 and 2024 for employer-sponsored health

2、insurance.Non-communicable diseases(for example,cardiovascular and cancer conditions)are major drivers of claim costs and claim frequency.Costs are also rising in part because of less attractive public healthcare delivery,most notably in Europe,so employers are increasingly requiring cost-containmen

3、t mechanisms within their insurance plans.At the same time,health systems are transforming as health innovations change how care is delivered.In August 2023,Mercer Marsh Benefits(MMB)surveyed 223 insurers across 58 countries outside the United States to explore the key trends shaping employer-provid

4、ed health benefits and produce our Health Trends 2024 report.The fine balancing act for employers and healthcare insurers in 2024 is cost containment but not at the expense of quality and inclusivity.The trends revealed in this report are invaluable for employers designing fit-for-purpose healthcare

5、 and benefits plans.Insurers practices,policy language,flexibility,willingness to innovate,and access to large pools of claims data give them a key role in shaping the future of employee benefits,but employers must also shape benefits to meet the needs of their own workforces as well as anticipate,c

6、ontain and mitigate business risk.IntroductionHealth trends 2024:Getting the right balance between managing costs and meeting employee needs2AsiaEuropeLatin American and CaribbeanMiddle East and AfricaNorth AmericaPacific45%20%17%14%2%1%3Executive summary tableTrendWhat it meansKey findingOver half