2023全球健康趋势报告+Global+Insurer+Survey+Report-MMB+Health++Trends+2023

MMBHealthTrends2023AlthoughCOVID-19continuestoinfluenceemployer-providedhealthplans,bothdirectlyandindirectly,medicaltrendacrosstheglobehaslargelystabilizedtoapproximatepre-pandemicrates.Meanwhile,marketinnovationcontinuestooffernewopportunitiesforemployerstoconsiderasbenefitsplansaremodernized.eema33Planmodernizationhasbegun.4Mentalhealthgapspersist.2Toptrendsdrivingemployer-providedhealthbenefitsPer-personmedicalcostincreasesarebacktopre-pandemiclevels.COVID-19continuestoimpactclaimsexperience.Planmanagementrequiresgreaterrigor.52Per-personmedicalcostincreasesarebacktopre-pandemiclevels.COVID-19continuestoimpactclaimsexperience.Planmodernizationhasbegun.Mentalhealthgapspersist.PlanmanagementrequiresPer-personmedicalcostincreasesarebacktopre-pandemiclevels.COVID-19continuestoimpactclaimsexperience.Planmodernizationhasbegun.Mentalhealthgapspersist.Planmanagementrequiresgreaterrigor.Benefitsmanagersmustdevelopmorerobuststrategiesandprepareformorecomplexunderwritingandplandesigndecisions.%1in2eMorethan1in5Fivekeytrendsdrivingthefutureofemployer-providedhealthcareutureTTrendWhatWhatitmeansfindingnginnovationinemployerprovidedhealthcareSection1Per-personmedicalcostincreasesarebacktopre-pandemiclevelsandusinginnovationinemployerprovidedhealthcarentsoMedicaltrendrates,2019–2023wnd0.1%GlobalCanadaAsiaPacificEuropeMiddleEastandAfricaLatinAmericaandCaribbean%%9.7%7%ndusinginnovationinemployerprovidedhealthcareGlobalmedicaltrendversusgeneralinflationtn%%%8.0%6.0%4.0%2.0%0.0%6%0.1%7.3%.7%4.3%3.2%2.4%7%4.6%9.7%9.7%3.4%MedicaltrendrateGeneralinflation20192020202120222023UShealthupdatedsnextfewyearsascontractsarerenegotiated.Evenwithsharpercostincreasesonthehorizon,mostemployersarelookingtoenhancetheirbenefitstoimproveattractionandretentionoftalent,with84%oflargeemployersratingthisasanimportantstrategy.Inlinewiththissentiment,employersarealsoawareofhowhealthcarecostsimpacttheiremployeesandfamilies,addingfinancialstressformanybyincreasingdeductiblesorcopays.Mercer.NationalSurveyofEmployer-SponsoredHealthPlans2022.Availableathttps://www.mercer.us/what-we-do/health-and-benefits/strategy-and-transformation/mercer-national-survey-benefit-trends.htmlBureauofLaborStatistics,ConsumerPriceIndex,U.S.CityAverageofAnnualInflation(ApriltoApril)1993–2022.Ratesfor2018,2019,2020and2021areretrospective.Ratesfor2022and2023areprospective.Unweightedglobalaveragesusedformedicaltrend.SeeappendixAforadditionaldetailincludinginflationdatasources.Impactofeconomictrendsonemployerplandesignnor7LatinLatinAmericaandtheCaribbeanMiddleEastandAfricaEuropeGlobalAsiaMakingplanimprovementstohelpaddress68%73%73%58%56%attraction,retentionandengagementReducingReducingplancoverageto32%27%27%42%44%managecostdusinginnovationinemployerprovidedhealthcareEmployeractions1Continuetoengagestakeholders(includingtheC-suite)onwhethertoprioritizeplandesigncompetitivenessanddifferentiationtohelpaddresstalentattraction,retentionandengagementchallengesversuscostcontainment.2Beawarethatinflationinthewidereconomymayfurtheraffectmedicaltrendrates,andplanforahigher-inflationenvironment.Keepacloseeyeonmedicalandhospitalpricing,andplanforincreasesinmedicaltrendcoststhatreflectincreasedusagepatternsandlaterdiagnosisfollowingCOVID-19lockdowns.3Prioritizethebenefitsandprogramsthataremostfavoredbyeachsegmentofemployees,assessedthroughwidespread,formalemployeelisteningactivities.4Createanintentionalstrategytomanageplancostsoverthelongterm,includingrecurringplanreviewtoidentifyhigh-valuesolutions.1Designforvaluethroughcoverageprovisions,networkconfigurationandengagement.Driveefficienciesthroughsmartfinancingandplacement.31Designforvaluethroughcoverageprovisions,networkconfigurationandengagement.Driveefficienciesthroughsmartfinancingandplacement.3Figure4:Benefitscost-containmentpillarsThreeelementsofatrulyeffectivehealthandbenefitscost-containmentstrategyManageManagehealthriskthroughadata-drivenapproachthatpromotesahealthyworkforce.2singinnovationinemployerprovidedhealthcareSection2COVID-19continuestoimpactclaimsexperience19%19%singinnovationinemployerprovidedhealthcareThelong-termeffectsoflockdownandCOVID-1920%661%1%Yes0%UnsurecehtmlemployerprovidedhealthcaremsinHighercostperclaimduetomoreadvancedtreatmentasaresultofdeferredcare58%Morelater-stageillnessdiagnosesduetodeferredcare55%Increaseinutilizationofmentalhealthservices40%Higherincidenceofchronicconditionsduetolifestylechanges37%LatediagnosisincreasesclaimcostshelMaringeC,SpicerJ,MorrisMetal.“TheImpactoftheCOVID-19PandemiconCancerDeathsDuetoDelaysinDiagnosisinEnglish,UK:aAational,Population-Based,ModellingStudy,”TheLancetOncology,Volume21,Issue8(August2020),pp.1023–1034,availableat/pmc/articles/PMC7417808/.McGarveyN,GitlinM,FadliEandChungKC.IncreasedHealthcareCostsbyLaterStageCancerDiagnosis,2022,availableathttps://sbiomedcentralcomarticlessGlobalinsurersurveyreportMMBhealthtrendsNavigatingcosttrendsandusinginnovationin13LatinLatinAmericaandtheCaribbeanDiseasesofthecirculatorysystemGastrointestinaldiseasesEuropeDiseasesofthecirculatorysystemGastrointestinaldiseasesGlobalCancerDiseasesofthecirculatorysystemRespiratoryconditionsGastro-intestinaldiseasesAsiaDiseasesofthecirculatorysystemGastrointestinaldiseasesMiddleEastandAfricaDiseasesofthecirculatorysystem12345GlobalinsurersurveyreportMMBhealthtrendsNavigatingcosttrends14FrequencyofclaimsisalsoshapedbycaredisruptionLatinLatinAmericaandtheCaribbeanDiseasesofthecirculatorysystemAsiaDiseasesofthecirculatorysystemGastrointestinaldiseasesEuropeDiseasesofthecirculatorysystemMiddleEastandAfricaDiseasesofthecirculatorysystemGlobalDiseasesofthecirculatorysystemRespiratoryconditionsCancer123employerprovidedhealthcareClaimsforCOVID-19continue70%Althoughvaccinationhashelpedtoreducethe65%0%%%severityofCOVID-19insomeregionsand0%%%thepopulation,theviruscontinuestofeatureinthetopthreecausesofclaimsbyfrequency,eventhoughprominenceappearstobegraduallyreducinginmostregions.40%3%4%33%3%4%8%8%5%2%2%0%%%PercentageofinsurerscitingCOVID-19asoneoftheirtopthreecausesofclaims20202021GlobalAsiaEuropeLatinAmericaandtheCaribbeanMiddleEastandAfricasinginnovationinemployerprovidedhealthcareEmployeractions1Promotetheimportanceofearlydiagnosisandregularscreening,especiallyforcancer,asmedicalservicesreturntonormalinsomeregions.2Provideworkplaces,benefitsandtoolsthatallowemployeesandfamiliestomanagetheirhealthandwell-being.3ContinuetoencourageworkingpracticesthatminimizethespreadsinginnovationinemployerprovidedhealthcareSection3Planmodernizationhasbegun70%49%46%%%%%employerprovidedhealthcare70%49%46%%%%%InsurerinnovationisonesilverliningOVIDdFigure10:Whichofthefollowingsolutionsandservicesdoesyourtypicalemployer-sponsoredgroupbenefitsplancoverorprovidetomembers?72%Atelemedicineservicethatallowsthe72%usertovideochatortextwithanysuitabledoctor/nurseassignedbytheserviceAnapptofindtherightdoctorormedicalcarewhenandwheretheuserneedsitInsurancecoverageorprogramthatreducescostofmentalhealthtreatment(counseling,medication)Anappthatsuggestspossiblediagnosesforsimplemedicalissuesandrecommendstypesofmedicalprofessionals25%Appsand/orwearabletechnologytoself-managewell-beingareInsurersplantoextendtheirdigitalportfoliosAppsand/orwearablestoself-managewell-beingAlreadyoffering:25%AppsthatsuggestpossibleAppsthatsuggestpossiblediagnosesforsimplemedicalconditionsAlreadyoffering:26%Consideringit:37%Ishometestingthenextfrontierforremotehealthcare?ntInsurersarerespondingtoamorediverseworkforceysEnsuringEnsuringmembercommunicationsincorporateuniversaldesign27%28%Providingregulartrainingsforyourmemberservicesteamstoincreaseculturalcompetencyandinclusion26%Changingeligibilityrequirementstoallowcoverageforportionsoftheworkforcewhomaynotbepermanentfulltime29%26% Changingeligibilityrequirementstoallowcoverageforportionsoftheworkforcewhomaynotbepermanentfulltime29%26% musculoskeletalprograms,includingergonomicsupport).Levellinguphealthstillworktodo7%1%employerprovidedhealthcare7%1%othe660%52%52%51%51%eeNorecentorplannedchangeinincorporatingsupportforhousing,transportationandfoodintocasemanagement/rehabilitationactivitiesundermedicalplansNorecentorplannedchangeinprovidingtravelbenefitsforservicesifcareisnotaccessiblewithinareasonabledistanceNorecentorplannedchangeinprovidingnavigationtoolstohelpmembersaccesssocialservicesfromcommunity-basedorganizationsInsurers’ownESGcredentialsaremixedGreaterfocusonenvironmental,socialandgovernance(ESG)factorsinbusinesssupplychainsmeansmanyorganizationsarelookingathowtheycanevolvebusinesspracticestobetteralignwithnonfinancialgoalsthathelpadvanceprosperousandhealthysocieties.Marsh,assistedbyCranfieldUniversity,analyzedkeywordsintherisksectionsofannualreportsforasetofcompanieslistedontheworld’sfourleadingstockexchangestogaininsightintohowbusinessesevaluateESGrisks.TheseresultspointtoaconcentrationacrossthelistedcompaniesanalyzedontheenvironmentalaspectofESGevaluationandlessattentiontoitssocialandgovernancefacets.10Giventheroletheycanplayinhelpingtomakequalityhealthcareaccessibleandaffordabletoall,insurersareinauniquepositiontoleadbyexampleandenhancesupportsforthefullworkforce.EstablishingwaystoensureinclusionacrosstheorganizationeTakingstepstomitigateeffectsofinfectiousdiseaseandchronicconditionsnginnovationinemployerprovidedhealthcareEmployeractions1forfutureuseofdigitalhealthcareandhowthiswillintegratewiththeirwidercareandwell-beingofferings.Understandandresolveanyduplicateservicesofferedbyotherproviders(suchascompetingtelemedicineservices)aswellasgapsinthebenefitsportfolio.2Assesswhetherurersofferingsareinclusiveandmeettheneedsofalltheinsuredworkforce;forexample,lower-paidworkersincludedonpolicies.3SeektounderstandsESGcredentialsaspartofbusinesssupplychains,andprovidefeedbackonareaswherethereisamismatchbetweenthoseoftheorganization.nginnovationinemployerprovidedhealthcareSection4Mentalhealthgapspersist12345GlobalMetabolicandcardiovascularriskEndemicinfectiousdiseasesEmotionalormentalrisksOccupationalriskTobaccosmokeAsiaMetabolicandcardiovascularriskTobaccosmokeEmotionalormentalrisksEuropeMetabolicandcardiovascularriskEmotionalormentalrisksTobaccosmokeLatinAmericaandtheCaribbeanMetabolicandcardiovascularriskEmotionalormentalrisksTobaccosmokeMiddleEastandAfricaMetabolicandcardiovascularriskEnvironmentalriskEmotionalormentalrisksandmaternalundernutritionngMentalhealthisnowamajorclaimsrisknsdndrtCanadianLifeandHealthInsuranceAssociationInc.“CanadiansReceivedaRecord$113BillioninLifeandHealthInsuranceBenefits,2021DataShows,”2022,availableathttps://www.clhia.ca/web/CLHIA_LP4W_LND_Webstation.nsf/page/87ADD7069A39DAA7852588BB0069E21D!OpenDocument.employerprovidedhealthcareMentalhealthgapspersistle73%73%73%9%66%66%66%47%48%547%48%47%547%45%45%44%44%46%40%41%%29%27%%Coveringpsychologicaland/orpsychiatriccounselingsessionsGlobalAsiaEuropeonmentalsuchasCoveringprescriptionmedicationsprescribedformentalhealthSupplyingvirtualmentalhealthcounselingviavideochatwithatherapisttomanageanxiety,sadnessorpersonalrelationshipissuesnginnovationinemployerprovidedhealthcareLatinLatinAmericaandtheCaribbeanMiddleEastandAfricaEuropeGlobalAsiaLessthan532%44%39%17%10%5–15–1010orfewer11–20Morethan20Unlimited38%10%29%9%29%23%8%11%6%6%4%15%11%12%16%40%75%24%75%61%31%36%29%23%14%yReactivegeneraltreatmentoutstripspreventivesupportandsupportforspecialpopulationsnsnceatment44%27%27%%%%34%%24%25%%16%14%%4%3%CoveringsubstanceabusetreatmentCoveringpreventiveresilienceormindfulnesscoachingSupplyingtoolstohelpbuildskillslikemindfulnessandresiliencetobettercopewithpressureSupplyingcontentanddeliverysupportforanti-stigmacommunicationcampaignsGlobalAsiaEuropeLatinAmericaandtheCaribbeanMiddleEastandAfricaTechnologyandmentalhealthsupportJust40%ofinsurersgloballyoffervirtualmentalhealthcounseling.72%ofinsurerssaytheyusesomeformoftelemedicineforgeneralhealth.InsurersintheMiddleEastandAfricaaremostlikelytousevirtualcounselingtools,with50%ofinsurersofferingit.nginnovationinemployerprovidedhealthcareEmployeractions1Evaluatelevelsofcoverageformentalhealthsupport,especiallycounselingsessions,tomakesuretheyareadequate2Supplementinsurerofferingswithnoninsuredprogramsandsupports.Exploreopportunitiestosupportmentalwell-beingpracticesthatcanhelpwithpreventionofillhealthaswellasreactivetreatment.3Understandwhetherremotetelemedicinesupportextendstomentalhealthservices.4Considerhowdesignandmanagementofworkimpactshealth.nginnovationinemployerprovidedhealthcareSection5PlanmanagementrequiresgreaterrigorsurersurveyreportMMBhealthtrendsNavigatingcosttrendsandusinginnovationinExpectationsofbenefitsplanmanagersincreasingChangestocoverageandexclusionsneedcloseattentionD27%24%25% 21%22%20%21%22%13%13%16%13%13% 6%8%10%9%8%8%9%4%3%4%GlobalAsiaEuropeLatinAmericaandtheCaribbeanTheimportanceofregularplandesignreviewskExpensesub-limitsandannual/lifetimemaximumscanunintentionallyshiftcostsontoemployees,makingcareunaffordable.Itisthereforeimportanttoreviewplandesignannually,keepingtheconceptofemployeeaffordabilityfrontofmind.Figure20:Hasyourcompanyautomaticallyadjusteddeductibles/excessesand/orco-paymentsinlinewithinflationforgroupmedicalinsurance?LatinAmericaandtheCaribbeanMiddleEastandAfrica449%%119%6%%222%4%%%%331%9%44%YesNo,butplantointhenextsixmonthsNo,anddonothaveplanstodosoUnsureginnovationinemployerprovidedhealthcareCOVID-19reshapeslifeinsurancepricingeneg42%32%16%42%32%16%7%53%33%10%7%%47%%%%%%%46%%46%8%DecreaseNochange11%–20%DecreaseNochange57%Europe37%63%37%63%100%sayinghigherincidenceofclaimsdrove2022lifeinsuranceratechanges55%ginnovationinemployerprovidedhealthcareEmployeractions1BeawareofnewinsurerrequirementsforidentifyingCOVID-19vaccinationstatus.Workwithyouradvisortomakesureyouhaveaprocessinplacetosupportdatacollectionifneeded,andaddresstheimpactofinsurersidentifyinglongCOVIDasapreexistingcondition.2Beproactivewithinsurers,andadjustplandetailsregularlytoensuretheyremainsufficientgiventheimpactofyear-on-yearinflation.3AnticipateincreasesinthecostoflifeinsurancecoverageasaresultofCOVID9.ThisisparticularlyacuteinLACandMEA,whereincreasesofmorethan10%areexpected.ginnovationinemployerprovidedhealthcareConclusionCOVID-19isstillshapinghealthinsurerpoliciesglobally,withvariationsattheregionallevel.Bothglobaltrendsandlocalvariationswillaffectplansponsors,whichwillalsoneedtomonitorthefutureimpactofhighinflationonmedicaltrends.rtaffaltoolstosupportandmonitorhealthcareremotely,andthesenowlooktobepermanentlyembeddedininsurers’offerings.Employerswillneedtoexplorehowdigitalservicesdovetailwithotheraspectsofcoverageintheinsurer’sofferingandconsiderthequalityandvaluedigitaltoolsprovideforemployees.Thereisstilladisparitybetweencoverageforphysicalandmentalhealthconditionsglobally.Plansponsorsshouldquestioninsurersontheextentofservicessuchaspsychologicalandpsychiatriccounselingtoensuretheyoffersufficientdepthtobeofgenuinebenefit.NeglectedtreatmentofconditionsduetoCOVID-19OngoingcaregivingOngoingcaregiving,economicseverityeconomicandotherandotherstressorsdstressorsginnovationinemployerprovidedhealthcareIfyouonlydofivethings…12345Planforfutureinflation-relatedcostincreases,butmaintainabalanceagainstthevalueofhealthinsuranceasanattractionandretentiontool.Askinsurersin-depthquestionsaboutthetrueextentoftheirsupportformentalhealthconditions.Explorethefunctionalityandqualityofdigitalservicesofferedbyinsurers,andunderstandhowthesefitwithinthebenefitsportfolio.Promoteearlyhealthscreeninganddiagnosisforchronicconditionstohelpmanagefutureclaimscosts.Beawareofchanginginsurerrequirementsrelatedtotheirunderwritingpractices(forexample,COVID-19vaccinationdata),anddevelopaneffectiveplantomeetthem.DoDoyouknowifyourbenefitsprogramswillsupportyourworkforcenowandintothefuture?semployerprovidedhealthcareAppendixAMercerMarshBenefits2021–2023estimatedmedicaltrendsummary13Country/Region2021estimatedmedicaltrendrate2021estimatedinflationrate142022forecastmedicaltrendrate2022forecastinflationrate142023forecastmedicaltrendrate2023forecastinflationrate14Global—withUS%4.3%%7.3%%4.6%Global—withoutUS0.1%4.3%%7.3%%4.6%NorthAmerica6.7%4.0%7%6.7%6.3%2.6%CanadaUnitedStates15Asia8.9%2.3%%3.4%%2.8%ChinaHongKongIndiaIndonesiaImportantnotices:ThisdocumentdoesnotconstituteorformpartofanyofferorsolicitationorinvitationtosellbyeitherMarshorMercertoprovideanyregulatedservicesorproductsinanycountryinwhicheitherMarshorMercerhasnotbeenauthorizedorlicensedtoprovidesuchregulatedservicesorproducts.Youacceptthisdocumentontheunderstandingandagreementthatitdoesnotformthebasisofanycontract,andMercerandMarshshallhavenoliabilityinrespectofanyrelianceon,ordecisionsbasedon,thecontentofthisdocument.Theavailability,natureandproviderofanyservicesorproducts,asdescribedherein,andapplicabletermsandconditionsmaythereforevaryincertaincountriesasaresultofapplicablelegalandregulatoryrestrictionsandrequirements.PleaseconsultyourMarshorMercerconsultantsregardinganyrestrictionsthatmaybeapplicabletotheabilityofMarshorMercertoprovideregulatedservicesorproductstoyouinyourcountry.ThedatareflectedinthebelowtableweregatheredinAugust2022from226insurers.Localteamsineachcountrypeerreviewedthemedicaltrendratessubmittedbyinsurersusingtheirowninternalbook-of-businessdata,country-specificinsurersurveysandsubjectiveassessments.ThereviewresultedinMMBchangingsomeoftheestimatedratesfromtherawinsurerresponses.Globaltrendratesareunweightedaverages.InflationratesaresourcedfromtheInternationalMonetaryFund,WorldEconomicOutlookDatabase,July2022.Inflationrateinformationisstrictlyforgeneralreferencepurpose;MarshandMercergivenoguaranteesastotheiraccuracyandwillnotacceptliabilityfordecisionsbasedonthem.USratescomefromtheNationalSurveyofEmployerSponsoredHealthPlansreport.employerprovidedhealthcareCountry/Region2021estimatedmedicaltrendrate2021estimatedinflationrate142022forecastmedicaltrendrate2022forecastinflationrate142023forecastmedicaltrendrate2023forecastinflationrate14Malaysia11.0%2.5%12.0%3.0%13.0%2.4%Philippines9.0%3.9%12.0%4.3%13.0%3.7%Singapore9.0%2.3%10.0%3.5%10.0%2.0%SouthKorea7.0%2.5%8.0%4.0%8.0%2.4%Taiwan3.9%1.8%12.0%2.3%15.8%2.2%Thailand9.6%1.2%8.9%3.5%8.5%2.8%Vietnam10.