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Access a related Workspan Daily article on this subject: ;Will Office Premiums Lure Employees Back to In-Person Work?

.; ;Health plan premiums are the main factor causing difficulty in affording healthcare, followed by out-of-pocket maximums.; ;Affordable and quality health benefits are key to employee retention, with more than a quarter of survey participants stating they would take a pay cut at a different job if it offered better health benefits.; ;60% of respondents would go to a primary care provider, doctor or hospital farther away from their homes if it would lower their healthcare costs.; “The survey indicates that rising costs lead to Americans not accessing the care they need or leaving their place of employment to find affordable health benefits,” Jeff Bak, the CEO and president of Imagine360, said in a statement.

“Employer-sponsored plans may face higher premiums, narrower networks, or more potential cost-shifting from providers responding to declining federal reimbursements and policy changes such as the expiration of ACA subsidies.”

.; ;The annual premium amount.; ;The coinsurance amount.; ;The maximum out-of-pocket limit.; Correct answer: D.

“If more than one health plan was offered, employees could have switched to the lower or lowest premium plan,” he said.

“Employers can make a difference through paying living wages and offering inclusive health benefits with affordable premiums and affordable cost-sharing at the point of care.”

The company also charges tobacco users higher premiums for voluntary life and disability insurance.

“These double-digit changes can be quite costly for some employers, both in base pay rates, but also overtime expenses, differentials/premiums or other pay that is tied to hourly rates.”

.; ;A skill-based pay differential or premium tied directly to specific, market-relevant skills (e.g., proficiency in a programming language or a particular expertise in AI).; ;Career path incentives through structured pay progression tied to skill acquisition (e.g., tiered pay bands for technical roles in healthcare or manufacturing).; Organizations also can subsidize training costs for certifications or provide paid time off for completing skill-building programs, said Laurie Bienstock, a managing director and global leader for knowledge architecture at WTW

Such changes in organizations, often coming in clusters, have become frequent occurrences in workplaces — and an increasing source of stress for people leaders and employees alike.