美世警告：雇主和员工将面临医疗保健“可负担性紧缩”-动脉网

Employers, workers to face healthcare ‘affordability crunch,’ Mercer warns

HealthcareDive 等信源发布 2025-11-19 20:33

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Dive Brief:

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The average cost of employer-sponsored health insurance climbed to $17,496 in 2025, up 6% from the year before and in excess of rates of inflation and wage growth, according to Mercer’s recent

根据美世最近的报告，2025年雇主资助的健康保险平均费用攀升至17,496美元，比前一年增长了6%，超过了通货膨胀率和工资增长率。

2025 National Survey of Employer-Sponsored Health Plans

2025年全国雇主资助健康计划调查

。

Costs are projected to continue to rise another 6.7% in 2026, making the average cost per worker $18,500, the survey found.

调查显示，预计成本将在2026年继续上涨6.7%，使每位员工的平均成本达到18,500美元。

A “sharp growth” in prescription drug spending, including pricey GLP-1 weight-loss medications, helped fuel the increase, Mercer said. Prescription drug spending was up an average 9.4% among large employers, those with 500 or more workers, while GLP-1 coverage for weight loss among the same group climbed to 49% in 2025 from 44% the previous year..

美世表示，包括昂贵的GLP-1减肥药物在内的处方药支出“急剧增长”，推动了这一增长。大型雇主（拥有500名或以上员工的企业）的处方药支出平均增长了9.4%，而同一群体中GLP-1减肥药物的覆盖比例从上一年的44%上升到2025年的49%。

Dive Insight:

深入洞察：

Reports of ever-increasing healthcare costs are not in short supply.

医疗费用不断上涨的报道屡见不鲜。

Last month, KFF’s 2025 Employer Health Benefits Survey showed that

上个月，KFF的2025年雇主健康福利调查显示

family premiums for employer-sponsored health insurance

家庭保费用于雇主资助的健康保险

were up 6%, or $1,408, compared to last year. All told, family premiums were on average $26,993 in 2025, or higher than the cost of a new Toyota Corolla Hybrid, as KFF President and CEO Drew Altman put it.

比去年上涨了6%，即1408美元。总体而言，2025年家庭保费平均为26993美元，正如凯泽家庭基金会（KFF）总裁兼首席执行官德鲁·奥尔特曼所说，这一数额高于一辆新的丰田卡罗拉混合动力车的价格。

Meanwhile,

同时，

HUB International’s 2026 Benefits Cost Trend report

HUB国际2026年福利成本趋势报告

, released at the same time, predicted that medical and prescription benefit costs will increase 8% to 10% next year, driven in part by the use of high-cost drugs, such as GLP-1s and auto-immune medications.

，同时发布的报告预测，明年医疗和处方福利成本将增加8%到10%，部分原因是使用了如GLP-1类药物和自体免疫药物等高成本药物。

But all hope is not lost, according to a global health and risk leader for integrated and global solutions at WTW.

根据WTW全球健康与风险负责人所说，并非所有希望都已丧失。

“One glimmer of hope for employers is that investment in technologies, including AI, is leading to higher costs at the moment but following this phase new technologies hold the promise of

“雇主们的一线希望是，包括人工智能在内的技术投资目前虽然导致了更高的成本，但在这一阶段之后，新技术有望带来好处。”

reducing healthcare cost trends

减少医疗成本趋势

in the longer term,” the WTW leader said earlier this month.

“从长远来看，”WTW领导人本月初表示。

In the meantime, there are steps employers can take to manage costs, Mercer’s U.S. Health and Benefits Leader Ed Lehman said.

同时，美世美国健康与福利主管埃德·莱曼表示，雇主可以采取一些措施来控制成本。

“Employers want to minimize increases in paycheck deductions while ensuring employees across all pay levels can afford the care they need, when they need it,” Lehman said. “It’s a tough challenge, but there are ways that employers can make healthcare more affordable for employees.”

“雇主希望尽量减少工资扣款的增加，同时确保各个薪酬水平的员工在需要时都能负担得起他们所需的医疗服务，”莱曼说。“这是一个艰难的挑战，但雇主可以采取一些方法让员工更能负担得起医疗保健。”

That involves offering employees more medical plan options, encouraging them to choose high-performing providers and offering specialized health programs, he said.

他说，这包括为员工提供更多的医疗保险计划选项，鼓励他们选择高效能的医疗服务提供者，并提供专门的健康计划。

For example, 32% of large employers provided a standalone specialized diabetes program in 2025, 28% offered a musculoskeletal program, and 23% offered a fertility program, Mercer found. These programs are typically low cost or free and delivered virtually, per the survey of 2,010 employers.

例如，据美世公司调查发现，32% 的大型雇主在 2025 年提供了独立的专门糖尿病项目，28% 提供了肌肉骨骼项目，23% 提供了生育项目。这些项目通常是低成本或免费的，并且通过虚拟方式提供，该调查涵盖了 2,010 家雇主。