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The Transformation of Healthcare Priorities in the Age of Remote Work

As remote work becomes a staple in the modern employment landscape, a notable shift in healthcare priorities for employees is emerging, particularly among younger generations. A recent survey by MagnaCare sheds light on how these changes are urging employers and insurers to rethink their healthcare benefits to adapt to evolving workforce demands.

The Survey Findings

Conducted in May 2025, the MagnaCare Network Rental Survey surveyed 600 remote employees who work outside their employers' states. This research revealed distinct challenges that Millennials and Generation Z workers encounter regarding their healthcare needs. A staggering 79% of younger remote workers expressed consideration of job changes due to frustrations with their healthcare plans. The survey brought forth critical insights about how geographic barriers and outdated healthcare structures impact job satisfaction and employee retention.

Accessibility Issues for Younger Workers

The survey's results highlighted that 59% of Millennials and Gen Z employees rely on out-of-network care because of their remote locations, significantly higher than the 46% average reported across all age groups. This discrepancy indicates a pressing issue: many younger remote workers face difficulties accessing in-network providers, leading to increased out-of-pocket costs and frustration. As remote work continues to dominate the workforce, healthcare plans must evolve; traditional benefits are no longer sufficient for the unique needs of remote employees.

Job Considerations Based on Healthcare

Among younger remote workers, healthcare coverage is becoming a pivotal aspect of job consideration. 36% of those in the survey identified healthcare as a major factor in their job decisions, with 44% noting it as a contributing factor. This trend suggests that companies prioritizing improved healthcare offerings could enhance their employee retention rates while also attracting top talent.

The Need for Remote-First Networks

The data also indicates that 63% of remote workers believe their current health plans have yet to adapt to the realities of remote work. Notably, accessing both specialists and mental health services remains a significant challenge. These areas have been identified as crucial by remote employees, suggesting a demand for more targeted solutions that reflect their realities.

Openness to Better Healthcare Options

Interestingly, 76% of workers aged 18–44 are open to switching to a remote-optimized health plan if it improves provider access, even if it entails a higher premium. This willingness indicates a growing desire for personalized healthcare solutions that address the unique challenges posed by remote work.

The Potential of Network Rental Solutions

In response to these challenges, network rental solutions have emerged as a viable way to bridge the gap in healthcare access for remote workers. With 63% of employees stating their health plans don't align with remote work needs, specialized solutions like network rentals can provide targeted access to local providers. By partnering with local networks in underserved areas, insurers can improve access to in-network providers and significantly enhance healthcare experiences for remote workers.

A Call for Change

As Michelle Zettergren, MagnaCare's President, noted, "Remote work isn't a trend anymore—it's the new reality." As more organizations transition to hybrid and remote-first models, it’s clear that healthcare offerings must also adapt to mirror these changes. The survey data underlines a significant opportunity for insurers to lead this evolution by refining healthcare benefits and ensuring they align with the modern workforce's needs.

It's not just about adapting; it’s about thriving in a landscape where flexibility and access redefine how healthcare plans create value for both employers and employees. For more information and insights, visit the MagnaCare Network Rental Survey report.

About MagnaCare

With nearly thirty years of service, MagnaCare is committed to building healthier communities through innovative health plan management. As a division of Brighton Health Plan Solutions, LLC, MagnaCare continues to adapt and offer comprehensive and flexible solutions to meet the needs of self-insured customers. For further details, explore MagnaCare.