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2016 Aflac WorkForces Report results for the Midwest U.S.

Employer results at a glance:

chart icon
  • Surveyed 343 business decision-makers.
  • 27 percent of those who offer major medical health insurance to employees offer a high-deductible health plan with an individual deductible over $1K.
  • 52 percent have a wellness program.
  • 28 percent offer voluntary insurance.

Changes to employee benefits packages

Chart data - please download PDF for chart data

Employer Concerns

34% say staying competitive in today’s marketplace is their company’s most important business objective.
31% say lack of qualified talent results in the most productivity lost within their organization.
21% say taking care of my employees by offering the widest range of benefits options is the most important objective of their benefits programs.
40% are interested in outsourcing employee benefits communications services to a third party.

Legislative issues

57% understand health care reform legislation extremely or very well.
51% are only somewhat or not very well-prepared to comply with IRS health insurance reporting rules in 2016.1
22% of employers offering major medical/health insurance say they are very concerned about the excise tax on high-value medical plans, often referred to as the Cadillac Tax; 6 percent are not familiar with this tax.

Chart data - please download PDF for chart data

31% have children under 18 covered on their health plans.
19% have adult children ages 18-26 covered on their major medical health plan.

Happiness

52% are extremely or very satisfied with their benefits packages.
61% are extremely or very satisfied with their jobs.
41% are at least somewhat likely to look for a job in the next 12 months.

Value of benefits

70% say a benefits package offering is extremely or very important to their job satisfaction, and 59 percent say it’s extremely or very important to their employer loyalty.
55% of employees are at least somewhat likely to accept a job with slightly lower pay but better benefits.
40% say improving their benefits package is one thing their employer could do to keep them in their jobs.
10% have left or turned down a job due to the benefits it offered in the last 12 months.

Growing importance of voluntary insurance

45% agree that they regularly underestimate the total cost of an injury or illness, including medical, household and out-of-pocket costs.
51% say that if their employer did not provide adequate health insurance coverage, they would purchase additional, affordable insurance products to ensure their coverage is adequate.
72% would be at least somewhat likely to purchase voluntary insurance if their employers offered the benefits.2

Financial well-being

66% would be able to pay less than $1,000 for out-of-pocket expenses if an unexpected serious illness or accident occurred today.
33% would use a credit card to cover unexpected out-of-pocket expenses, and 19 percent would borrow/withdraw money from their 401(k) or other retirement account.
16% say high medical costs have negatively affected their credit scores.
21% have been contacted by a collection agency related to outstanding medical bills.

Wellness

71% participate in their employers’ wellness programs.3
50% would participate in an exercise program through their workplace to help lower their health insurance cost.

About the Study

The 2016 Aflac WorkForces Report was conducted by Lightspeed/GMI on behalf of Aflac.

Archived AWR Results

View previous Aflac WorkForces Report research:

- 2015 AWR Findings
- 2014 AWR Findings
- 2013 AWR Findings
- 2012 AWR Findings
- 2011 AWR Findings