Group health insurance is one of the most rapidly changing employee benefits of 2025.
As business owners face rising costs, evolving workforce demands, and developments in digital healthcare, many are starting to reconsider how they handle employee health coverage.
In order to remain competitive, and provide the ultimate value to your team, it’s essential to understand the most current trends.
Whether you’re a small, mid-size or large business owner, being ahead of these trends will help you make better decisions for your employees and your bottom line.
1. Telehealth is an Expectation
Telehealth has evolved from a specialized service to a necessity since the COVID-19 pandemic. It’s not surprising that in 2025, more group health plans offer virtual care services such as mental health counseling, chronic illness management, and primary care visits.
Employees continue to enjoy the benefit of receiving care from their laptops or phones, particularly for non-emergency needs. Plans with round-the-clock telehealth services are increasingly being used as a differentiator to draw in and keep talent, particularly among younger, tech-savvy employees.
Employer Tip: When implementing a group health insurance plan that includes telehealth services, it’s important to include a strong network of providers, and encourage employees to take advantage of the benefit.
2. Mental Health Continues to Be a Top Priority
Health insurance companies are paying attention to mental health as it’s become a more important aspect of employee well-being over the past several years. 2025 is no different—there are now more plan options putting focus on counseling, therapy, and even wellness apps.
Some employers are taking an even more proactive approach, by including mental health workshops, meditation and/or yoga classes and Employee Assistance Programs (EAPs) in their employee benefits packages.
As stress and burnout continue to be the leading causes of employee turnover, it’s important to do all that you can as an employer to support your team. Providing mental health services as part of a greater group health insurance plan benefits not only your employees, but your company as a whole.
3. Premiums Rise, But So Do Flexible Alternatives
One of the most concerning trends in 2025 is the continued increase in premiums for group health insurance plans. Inflation, and the rising costs of prescription medications are two of the leading causes of this unfortunate trend, since ultimately insurance carriers react by raising their prices.
But the news isn’t all bad. Fortunately, there are now more flexible, alternative healthcare options than ever. The following options provide essential healthcare benefits to employees, but allow more budget flexibility and help costs remain low:
- High Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs)
- Tiered Coverage Levels
If you want to ensure that your employees are being offered a high level of care, but want to avoid the inevitable rising costs, exploring the above options is a great idea!
Lastly, it’s important when looking at health options for your team to never settle on the first option, as there may be something better out there. To compare a variety of coverage options, it’s best to work with an online broker like Group Health Quotes, to ensure that all of your priorities are considered.
4. More Plan Personalization
A standard one-size-fits-all approach for employee health insurance in 2025 isn’t enough. Employees demand more specialized coverage alternatives due to the different health needs and a multigenerational workforce.
Many companies are choosing to incorporate more personalized group health plan benefits. These offerings include more specialized perks such as:
- Maternity and fertility coverage
- LGBTQ+-inclusive care
- Chronic care management
- Preventative care benefits
Providing customizable plans gives you a competitive edge in hiring and retaining staff members while also demonstrating your appreciation for employees with varying needs.
5. Technology is Making Insurance Easier
Technological advances like AI-quoting tools and digital enrollment platforms are making it easier than ever for employers and employees to navigate the healthcare landscape. With that said, it’s no coincidence that many group health providers are starting to offer more and more user-friendly tools such as:
- Online portals and apps to manage coverage plans
- Real-time claims tracking
- More personalized plan usage reports and individual insights.
As a business owner, all of the above matter to you because at the end of the day, employee happiness improves when your team has more control and transparency over their health benefits.
Stay Ahead of the Curve with Group Health Quotes
While there will always be new advancement and changes when it comes to group health insurance, you don’t have to navigate them alone.
At Group Health Quotes (GHQ), we specialize in helping businesses of all sizes compare health insurance plans that are affordable and provide a high-level of care. Whether you’re interested in traditional coverage or an alternative option, we’re here to help you satisfy your team and stay within your budget. At GHQ we provide:
- Free, no-obligation, instant health insurance quotes
- Side-by-side plan comparisons
- Expert advice from licensed agents
Ready to get started and explore your options for free? Just enter your ZIP in the box provided, or give us a call at (888)-571-0291 today!
