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"2025 Quick Reference Guide to Supplemental Health Insurance"

Your guide to understanding supplemental coverage options and solving client challenges.

Primary health insurance coverage isn’t what it used to be—deductibles are higher, coverage is shrinking, and employees are facing more out-of-pocket costs than ever before. For benefit consultants, this shift creates both challenges and opportunities: how can you help clients control costs while still offering meaningful, competitive health benefits?

This Quick Reference Guide breaks down the key differences between voluntary and employer-paid supplemental health insurance coverage and explains why employer-paid solutions can help businesses of all sizes fill coverage gaps and control costs in 2026 and beyond.

From addressing leadership concerns around cost management to enhancing employee satisfaction and retention, this guide gives you the foundational insights you need to strengthen your expertise and deliver solutions that stand out in today’s benefits marketplace.

Download now.

The Ultimate Health supplemental insurance policy is underwritten by SiriusPoint America Insurance Company and Transamerica Life Insurance Company. Insurance plans and coverages vary by state. Please contact us to confirm state availability.
 

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