Ryan Barbieri, Executive Vice President of Employee Benefits | M3 Insurance
Ryan Barbieri, Executive Vice President of Employee Benefits | M3 Insurance
M3 Insurance has published its 2025 employee benefits trend report, now titled Momentum: An M3 Employee Benefits Trend Report. The company says the new name reflects a broader shift in focus to address current challenges facing employers.
The annual report, which has been produced for over twenty years, was previously known for providing plan design benchmarks and regional premium comparisons. According to M3 Insurance, changes in the employee benefits environment—including higher costs and more complex benefit options—have prompted a need for deeper analysis beyond traditional data points.
“As the benefits landscape evolves, so must the tools we use to navigate it,” said Ryan Barbieri, Executive Vice President of Employee Benefits and Partner at M3. “Momentum is built to spark strategic conversations. It’s forward-looking, data-informed, and rooted in what employers need to understand to stay competitive not just today, but tomorrow.”
The 2025 edition highlights several trends such as the increasing impact of pharmacy spending (including GLP-1 medications and gene therapies), a move toward direct primary care models and high-performance networks, increased attention on social determinants of health and care navigation services, and reduced reliance on broad wellness programs or standalone telehealth offerings.
The full Momentum report is available through the M3 Insight Center. In addition to this annual publication, M3 offers ongoing analytics through its BenchmarkPRO platform (https://m3ins.com/broker-analytics), designed to provide real-time personalized data for employers.
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