Oliver Wyman December 4, 2025
Insurers can act as the conductor to transform open enrollment from a season of stress into a moment that builds trust, engagement, and long-term loyalty.
More than 170 million Americans have wrapped up the same excruciating task: choosing their benefits for next year. What should be a straightforward process is instead one of the most burdensome and confusing times of the year.
Employees must navigate an overwhelming array of disconnected choices — from health insurance and voluntary benefits to retirement planning. This piecemeal approach around holistic needs creates stress and anxiety, often leading to analysis paralysis, decision fatigue, and frustration.
The consequences extend beyond employees. Employers see lower employee satisfaction, reduced productivity, and higher turnover. Beyond that, employers are not...
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