The voluntary marketplace has evolved into a more sophisticated and integrated solution, alongside the core employer-paid benefits. In the early years, traditional “worksite” carriers offered plans that would simply help fill gaps in core plans or offer value-added services. Now, the marketplace takes a vast array of elements into consideration for a comprehensive Total Rewards strategy. Factors such as HR technologies, cyber security concerns, leave of absence continuance, benefit bundling or integration, claims utilization, and captive solutions are just a few of the current considerations shaping this evolving landscape.

Looking ahead to 2025, there are several timely discussions that will influence the voluntary benefits marketplace. An aging United States population, significant investment in HR technologies by organizations, and cultural or societal factors will all impact emerging trends. Some timely topics and expected trends for 2025 include:


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