WINDSOR, Conn.--(BUSINESS WIRE)--Voya Financial, Inc. (NYSE: VOYA) announced today findings from a consumer research survey highlighting new workplace benefits and savings perspectives heading into the 2024 open enrollment season. Among the findings, Voya’s research indicates a shift in employee priorities as nearly three-quarters (72%) of employed Americans strongly or somewhat agree they would take a job with a slightly lower salary for better health care and medical coverage, including lower premiums and out-of-pocket costs.

康涅狄格州温莎（商业新闻短讯）--美国之音金融公司（纽约证券交易所代码：Voya）今天宣布了一项消费者研究调查的结果，该调查突出了2024年开放招生季即将到来的新工作场所福利和储蓄前景。在这些调查结果中，Voya的研究表明，员工的优先事项发生了变化，近四分之三（72%）的美国就业者强烈或或多或少地同意他们会接受一份薪水略低的工作，以获得更好的医疗保健和医疗保险，包括更低的保费和自付费用。

This sentiment is felt even higher among millennials (80%) compared to Generation Z (60%), Generation X (69%) and baby boomers (72%)..

与Z一代（60%）、X一代（69%）和婴儿潮一代（72%）相比，千禧一代（80%）的这种情绪更为强烈。。

“The consistent trend of rising health care costs, coupled with the fact that these needs are anticipated to increase as one ages, is having a tangible effect on individuals,” said Nate Black, VP, Health Solutions Product at Voya Financial. “Our research also revealed more than half of employed Americans strongly or somewhat agree they would take a lower salary for employer contributions to health savings and spending accounts (59%), and better access to voluntary benefit offerings such as critical illness, hospital indemnity, disability income and accident insurance (54%).

Voya Financial health Solutions Product副总裁内特·布莱克（NateBlack）表示：“医疗保健费用不断上涨的趋势，加上这些需求预计会随着年龄的增长而增加，正在对个人产生切实的影响。”。“我们的研究还显示，超过一半的就业美国人强烈或或多或少地同意，他们将以较低的工资支付雇主对健康储蓄和支出账户的贡献（59%），并更好地获得自愿福利，如危重病、医院赔偿、残疾收入和意外保险（54%）。

As a result, this data highlights that priorities are shifting regarding individuals’ broader health care needs, particularly when it comes to support from their employer. With open enrollment nearing, employers have a critical role to play helping their workforce leverage and maximize the full spectrum of their workplace benefits and savings offerings.”.

因此，这些数据突出表明，个人更广泛的医疗保健需求的优先事项正在发生变化，特别是在雇主的支持方面。随着公开招生的临近，雇主可以发挥关键作用，帮助员工发挥杠杆作用，最大限度地提高工作场所的福利和储蓄。”。

Health care costs can impact ability to save for retirement

医疗保健费用会影响退休储蓄能力

Voya’s research also found more than half (51%) of employed Americans say health care costs have a severe or major impact on their ability to save for retirement. The good news, however, is that many employers today recognize this challenge and continue to provide their workforce with solutions that can support one’s health and wealth needs..

Voya的研究还发现，超过一半（51%）的就业美国人表示，医疗保健费用对他们的退休储蓄能力有严重或重大影响。然而，好消息是，今天许多雇主都认识到了这一挑战，并继续为员工提供能够满足健康和财富需求的解决方案。。

What’s more, employees equally recognize the value of solutions through the workforce as Voya’s research also found over half of working Americans would be more likely to stay with their current employer if provided access to health spending and savings accounts (51%), voluntary benefit offerings (51%) and mental health benefits and resources (54%)..

更重要的是，员工同样认识到通过劳动力解决方案的价值，因为Voya的研究还发现，如果能够获得医疗支出和储蓄账户（51%），自愿福利（51%）以及心理健康福利和资源（54%），超过一半的美国工作人员更有可能留在目前的雇主那里。。

“While it’s encouraging to see employees’ interest in these solutions as we approach open enrollment, now is the time for employers to help their workforce understand the true value these employer-offered resources can provide — which can make a difference in retirement readiness,” said Christin Kuretich, VP, Supplemental Products at Voya Financial.

。

“Many individuals may not realize that voluntary benefits, for example, can also help lessen the financial impact of a covered event such as an illness or accident and can potentially reduce the need to tap into a retirement account for any out-of-pocket medical or other expenses. With that in mind, these benefits can be tailored to meet individual needs.”.

“例如，许多个人可能没有意识到自愿福利也可以帮助减轻疾病或事故等承保事件的财务影响，并可能减少为任何自费医疗或其他费用而进入退休账户的需要。考虑到这一点，这些福利可以根据个人需要进行调整。”。

Utilize digital guidance support

利用数字制导支持

As managing one’s holistic savings picture remains top of mind, interestingly, Voya’s research has also shown that three-quarters (75%) of working Americans strongly or somewhat agree they are interested in receiving support to maximize their workplace benefits dollars across their retirement savings, health savings accounts (HSAs), health care insurance and voluntary benefits at work..

由于管理个人的整体储蓄状况仍然是首要考虑的问题，有趣的是，Voya的研究还表明，四分之三（75%）的在职美国人强烈或在某种程度上同意他们有兴趣获得支持，以最大限度地利用退休储蓄、健康储蓄账户（HSA）、医疗保险和工作自愿福利获得工作场所福利。。

One area of growing support is in the form of innovative digital guidance tools — which continue to emerge as a valuable resource, with goals that include simplifying processes, saving time and fostering informed decision-making. Encouragingly, individuals are interested in this type of guidance as Voya’s research also found half of employed Americans are more likely to stay with their current employer if offered access to digital tools and advice to help them make retirement plan and workplace-benefit-related decisions..

越来越多的支持领域之一是创新的数字指导工具，这些工具继续成为一种宝贵的资源，其目标包括简化流程、节省时间和促进知情决策。令人鼓舞的是，个人对这种类型的指导感兴趣，因为Voya的研究还发现，如果能够获得数字工具和建议，帮助他们做出退休计划和与工作场所福利相关的决定，一半的就业美国人更有可能留在目前的雇主身边。。

“Personalized digital guidance experiences, designed to help employees make more-informed decisions with a synchronized view of their whole financial life, are becoming increasingly important to be able to support the evolving needs of individuals and their households,” added Kuretich. “This is crucial not only during open enrollment but also year-round to educate employees on their benefits, ensuring they are fully equipped to leverage their workplace benefits and savings effectively.”.

。“这不仅在公开招生期间至关重要，而且在全年对员工进行福利教育时也至关重要，以确保他们能够充分利用工作场所的福利和储蓄。”。

Voya continues to support both employers and employees to help gain more holistic views into their workplace benefits and savings through its myVoyage personalized financial-guidance and connected workplace-benefits digital platform. As a result, Voya’s customers who use myVoyage are 50% more likely to choose a less-expensive health plan option and 50% more likely to elect to save funds in an HSA, when eligible, while increasing their retirement savings rates.1 The myVoyage solution continues to evolve with ongoing enhancements happening throughout 2024..

。因此，使用myVoyage的Voya客户选择较便宜的健康计划选项的可能性高出50%，在符合条件的情况下，选择在HSA中节省资金的可能性高出50%，同时提高了他们的退休储蓄率。1 myVoyage解决方案随着2024年的不断改进而不断发展。。

As an industry leader focused on the delivery of benefits, savings and investment solutions to and through the workplace, Voya is committed to delivering on its mission to make a secure financial future possible for all — one person, one family, one institution at a time.

作为一家专注于为工作场所提供福利、储蓄和投资解决方案的行业领导者，Voya致力于履行其使命，为所有人——一个人、一个家庭、一个机构——创造一个安全的金融未来。

All data, unless noted otherwise, based on the results of a Voya Financial Consumer Insights & Research survey conducted Aug. 8-9, 2024, on the Ipsos eNation omnibus online platform among 1,005 adults aged 18+ in the U.S., featuring 440 Americans working full time or part time.

除非另有说明，所有数据均基于2024年8月8日至9日在益普索综合在线平台上进行的Voya Financial Consumer Insights&Research调查的结果，调查对象为美国1005名18岁以上的成年人，其中440名美国人全职或兼职。

1. Voya Financial internal data as of Dec. 31, 2023.

1、Voya截至2023年12月31日的财务内部数据。

About Voya Financial®

关于Voya Financial®

Voya Financial, Inc. (NYSE: VOYA), is a leading health, wealth and investment company with approximately 9,000 employees who are focused on achieving Voya’s aspirational vision: “Clearing your path to financial confidence and a more fulfilling life.” Through products, solutions and technologies, Voya helps its 15.2 million individual, workplace and institutional clients become well planned, well invested and well protected.

Voya Financial，Inc.（纽约证券交易所代码：Voya）是一家领先的健康、财富和投资公司，拥有约9000名员工，致力于实现Voya的理想愿景：“扫清通往财务自信和更充实生活的道路”。通过产品、解决方案和技术，Voya帮助其1520万个人、工作场所和机构客户得到精心规划、良好投资和良好保护。

Benefitfocus, a Voya company and a leading benefits administration provider, extends the reach of Voya’s workplace benefits and savings offerings by engaging directly with over 12 million employees in the U.S. Certified as a “Great Place to Work” by the Great Place to Work® Institute, Voya is purpose-driven and committed to conducting business in a way that is economically, ethically, socially and environmentally responsible.

Benefitfocus是Voya的一家公司，也是领先的福利管理提供商，它通过直接与美国1200多万名被Great Place to Work®Institute认证为“最佳工作场所”的员工接触，扩大了Voya的工作场所福利和储蓄服务的范围。Voya以目标为导向，致力于以经济、道德、社会和环境负责的方式开展业务。

Voya has earned recognition as: one of the World’s Most Ethical Companies® by Ethisphere; a member of the Bloomberg Gender-Equality Index; and a “Best Place to Work for Disability Inclusion” on the Disability Equality Index. For more information, visit voya.com. Follow Voya Financial on Facebook, Instagram, and LinkedIn..

Voya被Ethisphere评为：世界上最具道德感的公司之一®；彭博社两性平等指数成员；以及残疾平等指数上的“残疾包容最佳工作场所”。有关更多信息，请访问voya.com。在Facebook、Instagram和LinkedIn上关注voya Financial。。

Voya Financial and its affiliated companies (collectively, “Voya”) are making available to you the Personalized Enrollment Guidance tool offered by SAVVI Financial LLC (“SAVVI”). Voya has a financial ownership interest in and business relationships with SAVVI that create an incentive for Voya to promote SAVVI’s products and services and for SAVVI to promote Voya’s products and services.

Voya Financial及其附属公司（统称“Voya”）正在向您提供SAVVI Financial LLC（“SAVVI”）提供的个性化注册指导工具。Voya与SAVVI拥有财务所有权权益和业务关系，这为Voya推广SAVVI的产品和服务以及SAVVI推广Voya的产品和服务创造了激励。

Please access and read SAVVI’s Firm Brochure, which is available at this link: https://www.savvifi.com/legal/form-adv. It contains general information about SAVVI’s business, including conflicts of interest..

请访问并阅读SAVVI的公司手册，该手册可通过以下链接获得：https://www.savvifi.com/legal/form-adv.它包含有关SAVVI业务的一般信息，包括利益冲突。。

The Personalized Enrollment Guidance tool provides information and options for you to consider in making healthcare, health savings, emergency savings, and retirement savings choices. Those choices are solely up to you to make. Personalized Enrollment Guidance is not intended to serve as financial advice.

个性化注册指导工具提供了信息和选项，供您在选择医疗保健、健康储蓄、紧急储蓄和退休储蓄时考虑。这些选择完全取决于你自己。个性化入学指导并非旨在作为财务建议。

None of SAVVI, Voya, nor WEX Health acts in a fiduciary capacity in providing Personalized Enrollment Guidance or other services to you; any such fiduciary capacity is explicitly disclaimed..

SAVVI、Voya和WEX Health均不以信托身份为您提供个性化注册指导或其他服务；明确否认任何此类信托能力。。

Products and services offered through the Voya® family of companies.

Voya®系列公司提供的产品和服务。

Insurance is issued by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya® family of companies.

保险由信实人寿保险公司（明尼苏达州明尼阿波利斯）和纽约信实人寿保险公司（纽约州伍德伯里）签发。在纽约州内，只有纽约的ReliaStar人寿保险公司被接纳，并发行其产品。两者都是Voya®家族公司的成员。

Voya Employee Benefits is a division of both companies. Form numbers, product availability and specific provisions may vary by state..

Voya员工福利是两家公司的一个部门。表格编号、产品可用性和具体规定可能因州而异。。

VOYA-EB

VOYA-EB