Nine in 10 Small to Mid-Sized Businesses Worry They Won't Be Able to Afford Health Benefits in Three Years
eHealth (NASDAQ:EHTH) released a survey revealing significant concerns among small to mid-sized businesses about health benefits sustainability. The study of 500+ business owners shows that 89% worry about affording group health plans within three years, while 75% favor a defined contribution approach similar to Individual Coverage Health Reimbursement Arrangements (ICHRA).
Key findings highlight that 93% believe the current health benefit model needs replacement, and ICHRA enrollment has increased 52% this year. Despite Congressional discussions about tax incentives, 54% remain unfamiliar with ICHRA. The survey also revealed that 82% would be more likely to adopt ICHRA if proposed tax incentives become available.
eHealth (NASDAQ:EHTH) ha pubblicato un sondaggio che mette in luce forti preoccupazioni tra le piccole e medie imprese sulla sostenibilità delle coperture sanitarie. L'indagine su oltre 500 titolari d'azienda rileva che l'89% teme di non poter permettersi i piani sanitari di gruppo entro tre anni, mentre il 75% preferisce un approccio a contribuzione definita simile alle ICHRA (Individual Coverage Health Reimbursement Arrangements).
I risultati principali mostrano che il 93% ritiene che l'attuale modello di benefit sanitari debba essere sostituito e che le iscrizioni alle ICHRA sono aumentate del 52% quest'anno. Nonostante i dibattiti del Congresso su incentivi fiscali, il 54% non conosce le ICHRA. Il sondaggio indica inoltre che l'82% sarebbe più propenso ad adottare le ICHRA se venissero introdotti incentivi fiscali proposti.
eHealth (NASDAQ:EHTH) publicó una encuesta que revela importantes preocupaciones entre las pequeñas y medianas empresas sobre la sostenibilidad de los beneficios de salud. El estudio, realizado entre más de 500 propietarios de negocios, muestra que el 89% teme no poder costear los planes de salud grupales dentro de tres años, mientras que el 75% prefiere un enfoque de contribución definida similar a las ICHRA (Individual Coverage Health Reimbursement Arrangements).
Los hallazgos clave indican que el 93% cree que el modelo actual de beneficios de salud debe reemplazarse y que la inscripción en ICHRA ha aumentado un 52% este año. A pesar de las conversaciones en el Congreso sobre incentivos fiscales, el 54% no está familiarizado con las ICHRA. La encuesta también revela que el 82% estaría más dispuesto a adoptar ICHRA si se implementaran los incentivos fiscales propuestos.
eHealth (NASDAQ:EHTH)는 중소기업들 사이에서 의료혜택의 지속 가능성에 대한 큰 우려를 보여주는 설문조사 결과를 발표했습니다. 500명 이상의 사업주를 대상으로 한 조사에서 89%가 향후 3년 안에 단체건강보험을 감당하지 못할까 걱정한다고 답했으며, 75%는 ICHRA(개별보험 환급계획)와 유사한 확정기여 방식을 선호했습니다.
주요 결과로는 93%가 현재의 의료복지 모델이 교체되어야 한다고 보고하며, ICHRA 가입률은 올해 52% 증가한 것으로 나타났습니다. 의회에서 세제 인센티브 논의가 진행 중임에도 불구하고 54%는 ICHRA에 대해 잘 알지 못했습니다. 또한 설문은 제안된 세제 혜택이 제공되면 82%가 ICHRA를 채택할 가능성이 더 높아질 것이라고 밝혔습니다.
eHealth (NASDAQ:EHTH) a publié une enquête révélant d'importantes inquiétudes chez les petites et moyennes entreprises quant à la pérennité des avantages santé. L'étude auprès de plus de 500 propriétaires d'entreprises montre que 89% craignent de ne pas pouvoir se permettre des régimes de santé collectifs d'ici trois ans, tandis que 75% préfèrent une approche par contribution définie similaire aux ICHRA (Individual Coverage Health Reimbursement Arrangements).
Les principaux constats indiquent que 93% estiment que le modèle actuel d'avantages santé doit être remplacé et que les adhésions aux ICHRA ont augmenté de 52% cette année. Malgré les discussions au Congrès sur des incitations fiscales, 54% ne connaissent pas les ICHRA. L'enquête révèle également que 82% seraient plus susceptibles d'adopter les ICHRA si les incitations fiscales proposées étaient mises en place.
eHealth (NASDAQ:EHTH) veröffentlichte eine Umfrage, die erhebliche Sorgen von kleinen und mittleren Unternehmen bezüglich der Nachhaltigkeit von Gesundheitsleistungen offenbart. Die Studie unter mehr als 500 Geschäftsinhabern zeigt, dass 89% befürchten, sich Gruppenkrankenversicherungen in drei Jahren nicht mehr leisten zu können, während 75% einen beitragsorientierten Ansatz ähnlich den ICHRA (Individual Coverage Health Reimbursement Arrangements) bevorzugen.
Wesentliche Erkenntnisse zeigen, dass 93% der Ansicht sind, das derzeitige Modell der Gesundheitsleistungen müsse ersetzt werden, und dass die ICHRA-Anmeldungen dieses Jahr um 52% gestiegen sind. Trotz Kongressdebatten über Steueranreize sind 54% mit ICHRA nicht vertraut. Die Umfrage ergab außerdem, dass 82% eher bereit wären, ICHRA einzuführen, wenn die vorgeschlagenen Steueranreize verfügbar würden.
- None.
- 89% of businesses worry about affording group health plans within three years
- 54% remain unfamiliar with ICHRA despite Congressional discussions
- 92% believe government leaders aren't addressing business owners' health benefit challenges
- 93% say current health benefit model isn't working anymore
Insights
eHealth's research shows small businesses can't sustain traditional health benefits, signaling strong market opportunity for eHealth's ICHRA solutions.
eHealth's latest research reveals a critical inflection point in the employer-sponsored health insurance market. With
The research highlights a substantial addressable market opportunity in the
The timing is particularly strategic with the pending "Big Beautiful Bill" that could introduce tax incentives –
Amid concerns about rising costs and administrative burdens,
Awareness of this approach remains unchanged from last year, despite recent discussion by Congress to offer tax incentives as part of the Big Beautiful Bill
Most respondents say the current model of health benefits is no longer working, with
"Just as retirement savings shifted from pensions to 401(k)s decades ago, a similar transition is underway for health benefits," said Fran Soistman, CEO, eHealth. "Among small businesses, enrollment in ICHRA plans is up
Findings from the survey of 500+ owners and managers of small to mid-sized include:
The status quo isn't working for many small to mid-sized businesses.
89% of those currently sponsoring group health plans worry they won't be able to afford it within three years.93% say it's time for a new health benefit solution, because the current model isn't working anymore.
Most think an ICHRA-style model makes more sense in theory, although awareness of this approach remains low.
75% of respondents say employers should make defined contributions for employees to use toward purchasing their own coverage, rather than sponsoring a traditional employer-based group health plan.66% of those not currently offering group health benefits say they would contribute toward the cost of employee-purchased health insurance premiums if there were a way to do so.54% of respondents remain unfamiliar with or uneducated about ICHRA, even after Congress considered an expansion of ICHRA in an early version of the Big Beautiful Bill.
A call for government action and the need for ICHRA education.
92% of respondents say government leaders aren't paying enough attention to the health benefit challenges of business owners.82% say they would be more likely to adopt ICHRA if tax incentives proposed in the House version of the Big Beautiful Bill became available.
Read the full report.
About the survey
eHealth's findings are based on a July 2025 survey of owners and managers of small to mid-sized businesses (with 500 employees or fewer). The survey was conducted through a national survey vendor. A total of 503 responses were collected, with a margin of error of plus or minus
About eHealth (NASDAQ: EHTH)
We're Matchmakers. For over 25 years, eHealth has helped millions of Americans find the healthcare coverage that fits their needs at a price they can afford. Consumers can visit our health insurance marketplace at eHealth.com, or call us to speak with a licensed insurance agent at 1-800-EHEALTH (1-800-343-2584), TTY 711. As a leading independent licensed insurance agency and advisor, eHealth offers access to over 180 health insurers, including national and regional companies.
For more information, visit ehealth.com or follow us on LinkedIn, Facebook, Instagram, and X. Open positions can be found on our career page.
eHealth media inquiries: pr@ehealth.com
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SOURCE eHealth, Inc.
FAQ
What percentage of small businesses are concerned about affording health benefits by 2028?
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What percentage of businesses support a defined contribution approach to health benefits?
How many businesses would adopt ICHRA if tax incentives were available?
What percentage of businesses are familiar with ICHRA in 2025?
