How Premium Dollars Are Used

Small businesses are feeling the pressure of rising health care costs and the impact of those costs on insurance premiums. The health care system is complex and understanding how premium dollars are used can be hard.

We’re right here, and we want to help. Watch the below video for a closer look at how your premium dollars are used.

Breaking down what’s driving costs

In 2024, we spent $6 billion on medical and drug benefits for our members.

What’s driving some of the high costs?

Tackling rising costs

Some of the ways we help members improve their health while also slowing rising costs include partnerships that:

We are collaborating across the health care system to find ways to lower costs.

To download our cost-savings toolkits, which include resources and prewritten emails to share with employees, visit univeraforbusiness.com

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*Top Medical Costs by Condition” include medical claims for fully-insured health plans, excluding prescription drug claims. The cost data in this section reflects claims incurred for a 12-month period ending November 2024 (paid through January 2025). Medical costs are also compared to the same period from the previous year.
**Prescription drug spending includes prescription claims in 2024 for all fully-insured health plans.
*** Biosimilars Basics for Patients | FD