An Examination of the Technology Needed to Succeed in the New Voluntary Group Benefits Market
The U.S. group and voluntary employee benefits market is undergoing formidable change. As conventional employer-paid health plans shift to new markets that include exchanges, employees will continue to look to voluntary benefits to enrich their employer-sponsored offerings and tailor them to fit their unique needs. Although the Affordable Care Act (ACA) has been a primary influencer, trends in health care, budget pressures, and the growing consumer demand for voluntary benefits and ancillary products have also contributed to the movement of this evolving market and continue to reflect a new way in which consumers are purchasing their benefits. In addition, the demographic changes resulting from the Millennial generation and their rapid movement between jobs have changed consumer desires.
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