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2026 U.S. Employee Benefits & Retirement Outlook

HomeUnderstand the cost pressures reshaping medical and pharmacy benefits
HomeLearn how retirement and financial wellbeing strategies must evolve together
HomeSee why vitality, wellbeing and culture are central to retention

What to Expect in 2026

Despite strong headwinds, organizations that lean into smart plan design, data and technology can keep their benefits programs vital, resilient and effective. The 2026 Outlook highlights five overarching themes shaping what’s ahead.

Affordability
Benefits costs will keep rising, so employers will need smarter plan designs and data-driven cost control.
Vitality
Uncertainty and AI disruption are draining energy; benefits must support stability, growth and flexibility.
Resiliency
Policy shifts and cost pressure will test benefits; resilient programs use data and AI to adapt.
Employee Wellbeing
Rising burnout means wellbeing must be a holistic strategy, not a collection of stand-alone programs.
Retirement Plans & Financial Wellbeing
Retirement access is up, but money stress is growing, so employers must pair plans with everyday financial support.
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Get the full 2026 Outlook to see how these themes intersect and what they mean for your strategy.

Explore the Themes Shaping 2026

Dive into the areas that matter most to your organization, then get the full story in the report.

Affordability

Health and pharmacy costs are climbing fast, and new rules around pricing and reimbursement are changing how employers pay for care. Organizations will need more thoughtful plan design, targeted pharmacy strategies and better use of data and AI to keep benefits affordable without resorting to blunt cuts that damage value.

  • Tackle fast-rising medical and prescription costs through intentional plan design.
  • Use clinical guidance and innovative pharmacy approaches to balance access and cost.
  • Leverage analytics, AI and alternative funding models to uncover sustainable savings.

Download our 2026 Employee Benefits & Retirement Outlook to see what to expect in the coming year.

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