The changing employer-sponsored group medical plan

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By Sarah Coates, Terry Bierman | 20 May 2015
Group medical plans have evolved over the past 10 years with the financial crisis and the passage of healthcare reform serving as major economic drivers. Based on an analysis of mid-market plans, three notable trends have occurred over this period. The first is that consumer-driven health plans have become more prevalent. The second is that changes in plan designs have shifted more out-of-pocket expenses to employees. And the third is that premiums have outpaced inflation. What the future holds for employer-sponsored medical plans will largely be driven by medical inflation and further healthcare reform.