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Global insurer survey report

Health Trends 2023

Navigating cost trends and using innovation in employer-provided healthcare.

The top trends shaping employer-provided healthcare

Marsh Employee  Benefits Health Trends global survey of 226 insurers across 56 countries identified five key themes driving costs and risks in employee health benefits.

Four key trends

Top trends driving the future of employer provided healthcare

Over half of markets face double-digit cost increases:

86% of insurers globally believe medical inflation had a significant or very significant impact on the 2023 medical trend.

Health systems are facing disruption from skills shortages with digital healthcare still at any early stage:

70% of insurers expect AI to transform first-line diagnosis and/or navigation within five years.

Insurers are responding to employers’ needs for cost containment:

42% of insurers have not updated deductible/excesses and co-payments and have no plans to do so however so there is a need for employers to actively manage plans.

Gaps around mental health, women’s health and inclusive benefits continue to persist:

56% of insurers do not currently cover targeted mental health, socialization and learning issues for children, teenagers and families.

Are you achieving the right balance between business costs and employee needs?

Understanding these trends and their impact are crucial for employers in order to design healthcare plans that meet the needs of your business and your employees.


MMB Health Trends 2024 report

Get an in-depth look at the health trends and strategies that will help your business and your employees to succeed by downloading the full report.

Use this report to:

  • Get a clear view of the top trends for employer sponsored healthcare as you plan for 2024.
  • Learn the four key areas requiring HR professionals attention to better prepare for the year ahead.
  • Take action to effectively address issues around cost mitigation and how to create greater value for your business and your employees.

Download our Health Trends 2023 report to find out more

Full report

Get an in-depth look at the latest medical trends and learn how you can respond to them by downloading the full report.


A bite-sized overview of the key findings from this year’s research.