2025 has brought many changes in the healthcare field, specifically in group benefits for both patients and medical practices.With rising healthcare costs and growing employee expectations, it’s essential for medical practices in Maryland to offer comprehensive and innovative benefits packages.
In Maryland, much of the healthcare options that employers can elect are cut-and-dry. The Affordable Care Act requires all health insurance plans to cover preventive care, such as wellness exams, screenings, and chronic disease management programs at no cost. Likewise, mental health support such as counseling services, and stress management tools, are legally mandated but prove to improve employee productivity and overall workplace morale. It is important for employers, particularly in the medical field, to encourage their employees to utilize these benefits.
Here’s a look at the top trends shaping group benefits for medical practices in 2025.
1. Flexible Benefits Options
With the rising cost of healthcare, medical practices that offer health plans with additional benefits like high-deductible health plans (HDHPs) combined with health savings accounts (HSAs), and wellness programs, like gym memberships prove to help attract and retain employees in a competitive job market.
2. Employee Education on Benefits
Medical practices that offer better educational resources, such as benefits portals and webinars, to help employees navigate their options, keeps employees engaged. Educating employees about their healthcare and financial options increases commitment and satisfaction knowing their employer is continuously reviewing the current landscape for the most competitive plans.
3. Health Savings and Flexible Spending Accounts
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are voluntary benefits that allow certain funds to be pre-taxed contributions either by the employee or employer. These options help limit the out-of-pocket impact that an employee must contribute. These tax savings allow employees to manage healthcare costs and give employees more control over their healthcare expenses.
4. Voluntary Benefits
Benefits like life insurance, disability coverage, and critical illness insurance are voluntary options that employers can choose to offer and contribute to on behalf of their employees. These options provide an expanded level of coverage for unknown life factors such as long-term health problems and family support in the event of death.
5. Digital Health Tools and Wearables
As technology evolves, we see the impact in the healthcare industry. Some health care providers are encouraging the use of wearables and health tracking apps. Businesses have begun to incorporate these tools into their benefits packages to promote employee wellness and help track fitness, monitor chronic conditions, and encourage healthier habits.
How the Trusted Insurance Partners at Unity Insurance Can Help
Regularly reviewing and updating your business insurance policy may seem overwhelming, but working with a knowledgeable Maryland small business insurance agency simplifies the process. At Unity Insurance, we take a proactive approach to policy management, ensuring your practice is always adequately protected. Whether you’re expanding, upgrading equipment, or navigating regulatory changes, we’re here to help you make informed decisions.
Unity’s insurance professionals serve as your advocate from the very beginning. From selecting coverage to filing a claim, we are by your side every step of the way. At Unity Insurance, we know insurance plays a vital role in every stage of your life and business so our professionals provide guidance and support to ensure you make the right decisions regarding your insurance options.
If you need assistance with business insurance, medical office insurance, or employee benefits, our team is here to help. Contact us at 410-539-6642 to schedule a policy review today!