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  • Home Employers Industry Insights Health Care Trends in 2019

    Health Care Trend Watch 2019

    Learn about important trends that could impact your company’s health benefits.

    Trend #1:

    Drug costs are still climbing

  • 4.92 percent predicted rise in drug costs1

    Drug costs can be expected to rise 4.92 percent in 2019—a slower rate of growth than in 2018, but a significant one nonetheless.1 Two key factors include the growth of specialty pharmacy products, and the importance of competition between name brand medications and generic or biosimilar options. (“Biosimilar” drugs are designed to have similar effects to other, already-licensed pharmaceuticals.) With 11 biosimilars approved by the FDA in 2018, experts are hoping for an increase in market competition that can help rein in drug spending.2

  • Trend #2:

    Telemedicine is changing the game

  • 71 percent: health care providers using telemedicine3

    Driven by faster internet connections and increasingly prevalent smartphones, telemedicine—remote consultation that doesn’t require an in-person visit—is growing in popularity. Now used by 71 percent of health care providers, telemedicine is an increasingly attractive option for employees looking for medical consultation.3 It facilitates 2-way, real-time interaction between the patients and physicians, offering a cost-effective solution to both.4 Plus, telemedicine can give patients access to providers that may be otherwise inaccessible due to distance.

  • Trend #3:

    Plan types are evolving with the times

  • The total number of HSAs grew to 23.4 million in mid-20185

    Consumer-driven health plans (CDHPs), which combine a high deductible with tax-advantaged health savings accounts (HSAs), are growing in popularity. The total number of HSAs grew to 23.4 million in mid-2018, up 11.2 percent from the previous year.5 These accounts offer a new financial planning option for all customer segments who wish to plan for retirement and unexpected medical costs, and their popularity is growing: HSA investment assets now approach $10 billion.5 They are increasingly adopted by price-conscious millennial employees, who are attracted to the portability that allows them to keep what they've saved when transitioning jobs.

  • Trend #4:

    Wellness programs engage new talent

  • 84 percent of U.S. employees have reported symptoms of poor mental health8

    A healthy workforce could lead to fewer sick days, higher productivity, and lower health care costs for both employees and employers. Offering wellness programs could help recruit and retain new talent. While early versions of workplace wellness programs focused on efforts like quitting smoking and losing weight, companies are now shifting to personalized efforts that combine wellness with career development and incentive programs to increase employee engagement and boost recruitment.6 In addition, 60 percent of surveyed employers found that wellness programs had reduced their organizations' health care costs, and well-designed programs have the potential to produce an ROI of $1.50 to $3 for every dollar invested.7 Also, as 84 percent of U.S. employees have reported symptoms of poor mental health, many companies are making mental health education a wellness priority.8

  • Trend #5:

    Legislation could steer health care in a new direction

  • Key Affordable Care Act plan premiums will increase 15 percent in 201910 – Congressional Budget Office

    Health care issues, including affordability, access, and market stabilization remain key areas of focus for Congress in 2019. Just as well, the Affordable Care Act (ACA) remains a target for judicial challenges. What we know for certain is, beginning in 2019, there will be no penalties for those without minimum essential health coverage; the IRS has issued extended deadlines for 2018 Minimum Essential Coverage and Large Employer Shared Responsibility reporting due to individuals in early 2019;9 and, states have greater opportunity to waive key ACA provisions in order to implement innovative, alternate health coverage rules or programs while retaining basic consumer protections. In addition, the Congressional Budget Office predicts that key Affordable Care Act plan premiums will go up 15 percent in 2019.10

    Download this White Paper [PDF]

  • The health care industry is rapidly evolving.

    Employers need the tools to navigate the changing landscape and make the best business decisions. Contact your insurance broker or Cigna HealthcareSM to learn more about how we can help you prepare for these trends.

    Ready to plan your benefits strategy for next year?

    Contact your broker or connect with a Cigna Healthcare representative to learn more about how we can work together.

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    Related Topics

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    1Vizient, “Drug Price Forecast, July–August 2018,” 2018, https://newsroom.vizientinc.com/sites/vha.newshq.businesswire.com/files/doc_library/file/Jul2018_DrugPriceForecast_Media_FINAL.pdf

    2Rev Cycle Intelligence, Practice Management News, “Prescription Drug Growth Rate to Slow in 2019, Increasing 4.92%,” August 13, 2018, https://revcycleintelligence.com/news/prescription-drug-rate-growth-to-slow-in-2019-increasing-4.92

    3HIMSS Analytics, “2017 Inpatient Telemedicine Essentials Brief Snapshot Report,” 2017, https://www.himssanalytics.org/sites/himssanalytics/files/HIMSS%20Analytics%202017%20Inpatient%20Telemedicine%20Essentials%20Brief%20Snapshot%20Report.pdf

    4Medicaid, Telemedicine, page last reviewed/updated 2018, https://www.medicaid.gov/medicaid/benefits/telemed/index.html

    5Devinir, “2018 Midyear Devenir HSA Research Report,” August 22, 2018, http://www.devenir.com/research/2018-midyear-devenir-hsa-research-report/

    6Forbes, “8 Trends That Will Impact Worksite Wellness in 2018,” December 13, 2017, https://www.forbes.com/sites/alankohll/2017/12/13/8-trends-that-will-impact-worksite-wellness-in-2018/#6510dca227ad.

    72016 US Chamber of Commerce Study, “Winning With Wellness,” https://www.uschamber.com/sites/default/files/022436_labr_wellness_report_opt.pdf

    8Deloitte Centre for Health Solutions, “At a tipping point? Workplace mental health and wellbeing,” March 2017, https://www2.deloitte.com/content/dam/Deloitte/uk/Documents/public-sector/deloitte-uk-workplace-mental-health-n-wellbeing.pdf

    9Cigna Healthcare, “IRS Extends 2018 Reporting Due Dates for 1095 Forms Sent to Individuals,” posted November 30, 2018 https://www.cigna.com/health-care-reform/news/irs-extends-2018-reporting-due-dates?WT.z_nav=health-care-reform%2Freporting-requirements-toolkit;Body;news%20alert

    10National Conference of State Legislatures, “Health Insurance and States: NCSL Overview,” 2018. http://www.ncsl.org/research/health/health-insurance-and-states-overview.aspx

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    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna Healthcare.

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