accolade logo
Careers

Why employees opt out of employer healthcare

August 11, 2023 | 1 min read

Though it may seem like common sense to opt into employer-sponsored healthcare, nearly 40% of employees choose to explore different options. [1] Following are some of the reasons your workforce might consider alternatives.

Out-of-pocket costs are still too high

Some workers may opt out because premiums are too costly. With 58% of households living paycheck to paycheck, healthcare costs can be prohibitive. [2] Kaiser Family Foundation and CNBC report that 44% of insured adults worry about covering health insurance deductible costs. [3]

They’re covered on another person’s plan

Just because someone doesn’t choose an employer-sponsored healthcare plan doesn’t mean they aren’t insured. Often those who opt out are on a family plan through a parent or partner.

Lack of inclusive options

Employer-sponsored plans are often designed for the general population rather than each person’s unique needs. If employees don’t see benefits that align with their healthcare needs, they may decline to participate in your health plan.

How can employers encourage workers to opt-in instead?

Employers can help address these concerns and ensure the healthiest workforce possible with personalized healthcare solutions. Accolade partners with HR benefit administrators to help them select and deliver benefits that make it easier to access equitable care, navigate healthcare and have positive experiences.

To learn more, download our report: “Adding value to employers and health plans through Personalized Healthcare.”

[1] https://www.kff.org/report-section/ehbs-2021-summary-of-findings/

[2] https://www.momentive.ai/en/blog/cnbc-financial-literacy-2023/

[3] https://www.kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs/

Read the latest

06 /11

World Health Assembly highlights: Accolade's commitment to health equity

Shantanu Nundy, MD, reflects on his return to the WHO during the World Health Assembly in Geneva and how Accolade addresses health inequities...

Read now

06 /07

Building trust in data decisions: Leveraging the Accolade data observability framework

Learn how Accolade's Data Observability Framework ensures robust, secure data pipelines for seamless, personalized healthcare delivery...

Read now

05 /21

Accolade partners with Noom

Accolade partners with Noom to combine proven behavior change programs with expert primary care for sustainable, successful weight loss...

Read now

Ready for Personalized Healthcare?

CTA image