For 2023, the average estimated increase is 7.0% before plan changes and 5.6% 3 after plan changes. Estimated cost increase to renew plans with no changes vs. actual increase after plan changes, among all employers: 9.8% 9.1% 8.2% 8.0% 7.4% 6.9% 7.1% 7.0% 6.3% 6.5% 6.3% 6.3% 6.1% 6.1% 5.9% 5.8% 5.6% 5.3% 4.1% 4.4% 3.9% 3.8% 3.6% 3.4% 3.0% 2.4% 2.6% 2.1% 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Expected trend before plan changes Trend measured after plan changes U.S. employers can expect health bene昀椀ts cost to increase to 7% but through 3 plan management and strategic changes, the shift can get to 5.6%. Today, the average costs for employers that pay for health care will increase somewhere between 6.5% and 7%, which equates to more than $13,800 per employee in 2023. This is double the 3% increase for health care budgets employers experienced from 2021 to 2022. This is the average increase that employers can 4 expect if they stick with their current plans. 2023 Benefits Trends: The evolving workplace 57