Record Digital Engagement Drives 2024 Healthcare Open Enrollment as Employees Express Increased Interest in Voluntary Benefits
Alight has released its 2024 annual enrollment analysis, revealing significant shifts in employee preferences for healthcare benefits. Nearly 96% of employees enrolled through digital channels, with mobile app usage soaring by 69% compared to 2023. A steady 74% of employees opted for employer-sponsored plans, with Preferred Provider Organizations (PPOs) leading at 40% and High-Deductible Health Plans (HDHPs) at 36%. Health Savings Account (HSA) contributions continued to rise, with 72% of eligible employees participating, up from over 60% in 2023. Interest in voluntary benefits also grew, with supplemental health coverage rising to 33% and Spouse Whole Life coverage increasing by five points.
Employers are encouraged to adopt a technology-first approach to benefits enrollment, offering personalized tools and guidance to meet the diverse needs of their workforce. Despite high digital engagement, fewer than two-thirds of employees felt confident in their health plan choices, highlighting the need for better decision-making tools and ongoing support.
Alight ha pubblicato la sua analisi annuale delle iscrizioni del 2024, rivelando significativi cambiamenti nelle preferenze dei dipendenti riguardo ai benefici sanitari. Quasi il 96% dei dipendenti si è iscritto attraverso canali digitali, con l'uso dell'app mobile che è aumentato del 69% rispetto al 2023. Un costante 74% dei dipendenti ha scelto piani sponsorizzati dal datore di lavoro, con le Organizzazioni di Fornitori Preferiti (PPO) in testa al 40% e i Piani Sanitarie ad Alto Scoperto (HDHP) al 36%. Anche i contributi ai Conti di Risparmio Sanitari (HSA) hanno continuato a crescere, con il 72% dei dipendenti idonei che hanno partecipato, in aumento rispetto al 60% del 2023. L'interesse per i benefici volontari è cresciuto, con la copertura sanitaria supplementare che è salita al 33% e la copertura Vita Intera per i coniugi che è aumentata di cinque punti.
Si consiglia ai datori di lavoro di adottare un approccio tecnologico per le iscrizioni ai benefici, offrendo strumenti e guide personalizzate per soddisfare le diverse esigenze della loro forza lavoro. Nonostante l'elevato coinvolgimento digitale, meno dei due terzi dei dipendenti si sono sentiti sicuri nelle loro scelte di piani sanitari, evidenziando la necessità di strumenti di decisione migliori e di supporto continuo.
Alight ha publicado su análisis anual de inscripciones de 2024, revelando cambios significativos en las preferencias de los empleados sobre los beneficios de salud. Casi el 96% de los empleados se inscribieron a través de canales digitales, con el uso de la aplicación móvil aumentando un 69% en comparación con 2023. Un 74% constante de empleados optó por planes patrocinados por el empleador, siendo las Organizaciones de Proveedores Preferidos (PPO) las que lideran con un 40% y los Planes de Salud con Deducible Alto (HDHP) en un 36%. Las contribuciones a las Cuentas de Ahorro para la Salud (HSA) continuaron en aumento, con el 72% de los empleados elegibles participando, un aumento en comparación con más del 60% en 2023. El interés en los beneficios voluntarios también creció, con la cobertura de salud suplementaria aumentando al 33% y la cobertura de Vida Entera para cónyuges aumentando en cinco puntos.
Se anima a los empleadores a adoptar un enfoque basado en la tecnología para la inscripción de beneficios, ofreciendo herramientas y orientación personalizadas para satisfacer las diversas necesidades de su fuerza laboral. A pesar del alto compromiso digital, menos de dos tercios de los empleados se sintieron seguros en sus elecciones de planes de salud, lo que resalta la necesidad de mejores herramientas de toma de decisiones y apoyo continuo.
Alight는 2024년 연례 가입 분석을 발표하며 직원들이 의료 혜택에 대한 선호도가 크게 변화했음을 밝혔다. 거의 96%의 직원이 디지털 채널을 통해 가입했고, 모바일 앱 사용은 2023년 대비 69% 증가했습니다. 직원의 74%는 고용주 지원 계획을 선택했으며, 선호 공급자 조직(PPO)이 40%로 가장 많고, 고액 공제 건강 보험(HDHP)이 36%를 차지했습니다. 건강 저축 계좌(HSA) 기여도 증가세를 이어갔으며, Eligible 직원의 72%가 참여하여 2023년의 60% 이상에서 증가했습니다. 자율적으로 선택할 수 있는 혜택에 대한 관심도 증가하여 보충 의료 보험이 33%로 상승했으며, 배우자 전생보험도 다섯 포인트 증가했습니다.
고용주들은 직원들의 다양한 요구를 충족하기 위해 개인화된 도구와 지침을 제공하며 기술 우선 접근 방식을 채택할 것을 권장받고 있습니다. 높은 디지털 참여율에도 불구하고, 직원의 3분의 1도 자신들의 건강 계획 선택에 확신을 느끼지 못해, 더 나은 의사결정 도구와 지속적인 지원의 필요성이 강조되고 있습니다.
Alight a publié son analyse annuelle des inscriptions de 2024, révélant des changements significatifs dans les préférences des employés en matière de prestations de santé. Près de 96 % des employés se sont inscrits par canaux numériques, avec une utilisation de l'application mobile en hausse de 69 % par rapport à 2023. Un solide 74 % des employés ont opté pour des plans parrainés par l'employeur, avec les Organisations de Fournisseurs Préférés (PPO) en tête à 40 % et les Plans de Santé à Haut Deductible (HDHP) à 36 %. Les contributions aux Comptes d'Épargne Santé (HSA) ont continué à augmenter, avec 72 % des employés éligibles participant, en hausse par rapport à plus de 60 % en 2023. L'intérêt pour les prestations volontaires a également augmenté, la couverture de santé complémentaire atteignant 33 % et la couverture Vie Entière pour les conjoints augmentant de cinq points.
Les employeurs sont encouragés à adopter une approche axée sur la technologie pour l'inscription aux prestations, offrant des outils et des conseils personnalisés pour répondre aux divers besoins de leur main-d'œuvre. Malgré un engagement numérique élevé, moins des deux tiers des employés se sont sentis confiants dans leurs choix de plans de santé, soulignant la nécessité d'outils d'aide à la décision améliorés et d'un soutien continu.
Alight hat seine Analyse zur jährlichen Einschreibung 2024 veröffentlicht, die bedeutende Veränderungen in den Präferenzen der Mitarbeiter hinsichtlich Gesundheitsleistungen zeigt. Fast 96 % der Mitarbeiter haben sich über digitale Kanäle eingeschrieben, wobei die Nutzung der mobilen App im Vergleich zu 2023 um 69 % gestiegen ist. Ein stabiler Anteil von 74 % der Mitarbeiter entschied sich für arbeitgeberfinanzierte Pläne, wobei die Preferred Provider Organizations (PPOs) mit 40 % und die hochabsetzbaren Gesundheitspläne (HDHPs) mit 36 % führend sind. Die Beiträge zu den Health Savings Accounts (HSA) sind weiterhin gestiegen, mit 72 % der berechtigten Mitarbeiter, die teilnehmen, was einem Anstieg von über 60 % im Jahr 2023 entspricht. Das Interesse an freiwilligen Leistungen ist ebenfalls gewachsen, wobei die ergänzende Gesundheitsdeckung auf 33 % gestiegen ist und die Lebensversicherung für Ehepartner um fünf Punkte zugenommen hat.
Arbeitgeber werden ermutigt, einen technologiebasierten Ansatz für die Einschreibung in Leistungen zu verfolgen und personalisierte Werkzeuge und Anleitungen anzubieten, um den unterschiedlichen Bedürfnissen ihrer Belegschaft gerecht zu werden. Trotz der hohen digitalen Beteiligung hatten weniger als zwei Drittel der Mitarbeiter Vertrauen in ihre Wahl der Gesundheitspläne, was die Notwendigkeit besserer Entscheidungswerkzeuge und kontinuierlicher Unterstützung unterstreicht.
- Nearly 96% of employees enrolled in benefits through digital channels.
- Mobile app usage increased by 69% compared to 2023.
- 72% of eligible users enrolled in HSAs, continuing a steady year-over-year increase.
- Enrollment in supplemental health coverage increased to 33%, up from 31% in 2023.
- Fewer than two-thirds of employees felt confident in their health plan elections.
Insights
The significant increase in digital engagement metrics and voluntary benefits adoption signals a transformative shift in employee benefits consumption. The 69% surge in mobile app usage and 96% digital enrollment rate demonstrate strong digital adoption, suggesting potential operational cost reductions and improved efficiency for Alight's platform. The increase in supplemental health coverage to
The high HSA participation rate of
The platform's performance during peak enrollment period demonstrates robust scalability, successfully handling millions of users while maintaining high engagement levels. The strong digital adoption metrics suggest effective UX design and platform reliability. The mobile app's
The integration of decision support tools like health savings calculators and plan comparisons shows platform maturity and sophistication. This technological foundation positions Alight well for future AI-driven personalization and automated guidance features, potentially creating competitive advantages in the benefits administration space.
- Alight’s 2024 annual enrollment analysis shows nearly
- Alight’s 2024 annual enrollment analysis underscores the value of employer-backed benefits and the need for tailored strategies to support a diverse workforce
This analysis revealed significant shifts in employee preferences during annual enrollment, highlighting increasing reliance on digital tools to complete their enrollment, rising contributions to Health Savings Accounts (HSAs) and growing interest in voluntary benefits. Key findings from this year’s annual enrollment period include:
-
Digital engagement dominates: Nearly
96% of users enrolled in benefits through digital channels, with mobile app usage increasing by69% compared to 2023. -
Steady enrollment in employer-sponsored plans:
74% of users elected coverage in an employer-sponsored plan. Preferred provider organizations (PPOs) led elections at40% , followed by high-deductible health plans (HDHPs) at36% . -
Growing HSA contributions:
72% of eligible users enrolled in HSAs, continuing a steady year-over-year increase. In 2023, more than60% of employees chose to contribute to their HSA, with a majority also benefiting from employer contributions. -
Rising interest in voluntary benefits: Enrollment in supplemental health coverage increased to
33% , up from31% in 2023, and Spouse Whole Life coverage saw a notable five-point increase compared to 2023.
Key annual enrollment insights for employers
These trends underscore a critical opportunity for employers to evolve their benefits strategies. A technology-first approach to benefits enrollment, paired with personalized guidance, helps meet the diverse needs of today’s workforce. Key considerations for employers include:
- Employees seek tools to boost confidence: Despite robust digital engagement, fewer than two-thirds of employees reported feeling confident in their 2023 health plan elections, according to Alight’s 2024 International Workforce and Wellbeing Mindset Study. Tools like health savings calculators and plan comparisons paired with expert guidance significantly improve decision-making confidence.
- Flexible benefits for a diverse workforce: Offering diverse voluntary benefits allows employers to address the unique needs of an evolving workforce, enhancing the overall employee experience.
- Employees seek guidance in benefit navigation: While HDHPs and PPOs maintain popularity, employers should continue providing education to ensure employees select plans that align with their health and financial needs. As well, employers can drive even greater adoption by offering matching contributions and promoting the financial and tax benefits of HSAs, particularly as employees seek ways to manage healthcare costs.
“This year’s open enrollment results exemplify the powerful benefits of combining a technology-driven enrollment experience with personalized support,” said Karen Frost, Vice President, Go-to-Market Strategy for Health at Alight. “With today’s workforce becoming increasingly diverse, it’s evident that employers must move beyond a one-size-fits-all approach. Additionally, open enrollment should be the start of many ongoing touchpoints throughout the year, helping employers implement effective strategies and better support their employees’ overall wellbeing.”
For further information and to stay updated on the full open enrollment results, please visit alight.com.
About Alight Solutions
Alight is a leading cloud-based human capital technology and services provider for many of the world’s largest organizations and over 35 million people and dependents. Through the administration of employee benefits, Alight helps clients gain a benefits advantage while building a healthy and financially secure workforce by unifying the benefits ecosystem across health, wealth, wellbeing, absence management and navigation. Our Alight Worklife® platform empowers employers to gain a deeper understanding of their workforce and engage them throughout life’s most important moments with personalized benefits management and data-driven insights, leading to increased employee wellbeing, engagement and productivity. Learn more about the Alight Benefits Advantage™ at alight.com.
View source version on businesswire.com: https://www.businesswire.com/news/home/20241210461009/en/
Mariana Fischbach
Mariana.Fischbach@alight.com
Source: Alight Solutions
FAQ
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