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"2026 Top Trends in Employee Benefits"

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.

Our annual 2026 Top Trends in Employee Benefits Report breaks down the five forces influencing benefit decisions, giving you quick, insight-rich takeaways to help you guide clients with more clarity and confidence as the year begins.

Inside the report, you’ll uncover: 

• A pharmacy cost trend reshaping budgets faster than expected.
• Unexpected drivers behind the growing demand for personalization.
• A retention blind spot emerging in 2026 planning.
• Well-being priorities taking center stage and why it matters now.
• New gaps in family-friendly benefits across key workforce segments.

Whether you're resetting strategy conversations, planning for Q1, or preparing for the next round of tough benefit decisions, these insights will help you look ahead and stay ahead of rising expectations.

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ArmadaCare’s supplemental health insurance policies are 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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