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"2026 Top Trends in Employee Benefits"

A guide to emerging trends shaping the employee benefits landscape.

Early 2026 data is revealing a clear shift. Cost pressures are rising faster than employers can adapt, and expectations for more flexible, personalized benefits are quickly reshaping strategy conversations.

ArmadaCare’s annual report breaks down the top five trends driving these changes, including accelerating pharmacy spend, rising demand for personalization, new retention pressures, the rise of whole-person well-being, and widening gaps in family-focused benefits. This report was designed to help you anticipate client needs, strengthen recommendations, and enter Q1 with more clarity and confidence.

The strategies that worked last year may fall short in 2026. Use these insights to look ahead and stay ahead.

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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