شركات التأمين تتوقع ارتفاع تكاليف الرعاية الصحية في عام 2024

There’s more evidence employers should brace for higher health costs in 2024.

أظهرت دراستان جديدتان أن تكاليف الرعاية الصحية في الولايات المتحدة سترتفع بشكل كبير في العام الجديد، وهو ما قد يكون له آثار كبيرة على المؤسسات.

According to WTW’s Global Medical Trends Survey, the cost of medical care benefits in the U.S. is projected to increase about 8.9 percent in 2024, compared with 8.2 percent in 2023. Globally, though, the cost increase will ease slightly to 9.9 percent after hitting a record high of 10.7 percent in 2023, although analysts predict it will increase again in the coming few years. Nearly three-fifths of insurers (58 percent) anticipate higher or significantly higher increases over the subsequent three years following 2024.

Meanwhile, a survey of nearly 100 health insurers and health plan administrators by benefits consulting firm Buck also found that medical costs for employer-sponsored plans continue to outpace inflation, rising on average between 6.8 percent and 7.3 percent. That’s up from Buck’s previous survey in May 2023, when insurers found medical trend factors were averaging 6.2 percent to 6.8 percent.

The drivers of medical costs, according to insurers, range from new medical technologies to overuse of care due to medical professionals recommending too many services or overprescribing. Nearly half of insurers (49 percent) also indicated that insured members’ poor health habits are among the top factors driving higher health costs, according to the WTW survey, while 47 percent cited the underuse or lack of preventive services as a significant cost driver.

“While some cost increases are projected to ease in 2024, they remain at significantly high levels,” said Linda Pham, senior director of integrated and global solutions at WTW. “The high cost of new medical technologies is a key reason for the persistently high trend. Furthermore, in some regions, ongoing geopolitical conflicts and resulting displaced populations have negatively affected medical costs due to an increased need for care and reduced availability of providers.”

Inflation continues to be a factor as well. Although inflation has abated in recent months, it’s catching up to medical costs.

“As the price of gas, food, and other goods and services increases due to inflation, medical trend factors used by insurers to set premium rates have clearly been incrementally affected as well,” said Kelly Conlin, U.S. health practice leader and chief health actuary at Buck.

Buck found that prescription drugs will be especially costly in the coming year, with health insurers reporting a weighted average prescription drug trend of 9.8 percent—up from 9.3 percent from the prior survey. Increases in specialty drug utilization and “new drugs on the market” were cited as contributing to the increase, Buck found. Many industry experts have pointed to the rise of interest and demand for GLP-1 drugs as a weight loss aid as a contributor to growing health care costs.

The two new surveys of insurer predictions come after other surveys in 2023 made similar predictions of rising health costs. For instance, the International Foundation of Employee Benefit Plans found that employers are projecting a 7 percent hike for health care costs in 2024, while Aon projected that average costs for U.S. employers that pay for their employees’ health care could increase 8.5 percent to more than $15,000 per employee in 2024.

Considering the high costs, employer inaction is not an option, said Debby Moorman, head of health and benefits in North America at WTW. Things like telehealth options, more well-being services and taking stock of existing benefits can help, the WTW report found.

“Employers are facing higher cost increases as well as the potential for significant volatility, making it even more difficult to budget and plan,” Moorman said. “Employers must understand their risk tolerance, review their current offerings to ensure optimal value and explore strategies to balance cost pressures with the need to support the employee experience. By understanding the factors that affect health care and drive costs in their populations, employers can effectively combat the ever-present threat of rising costs.”