The 2027 Renewal Crisis: Predictive Insights to Build Better Benefits Strategies

Stop reacting to last year's claims. Start predicting next year's costs.

The claims that will define your 2027 renewal are being generated right now — in appointments not made, conditions undetected, and prescriptions abandoned.

For the fourth year in a row, HealthJoy's Member Health Goals report translates what your members are telling us right now into the data that claims reports can't show you: self-reported health intent from over 100,000 members, collected months before costs arrive, revealing the health goals, challenges, and conditions shaping workforces right now.

By analyzing the signals before the claims, we've built a forward-looking picture of where healthcare spend is headed, and why traditional, reactive benefits strategies are breaking down at the point of execution. This report is full of actionable intelligence you can act on while there's still time to change the trajectory.

Download the report to access key insights such as:

• The Preventive Care Collapse: A 45% drop in annual physical intent is more than a wellness concern — it's a lagging indicator of deferred diagnoses and compounding costs headed toward your 2027 budgets.

• The Millennial and Gen Z Cancer Signal: The 26–35 cohort is showing early-stage risk patterns that most benefits strategies aren't priced or designed to absorb.

• The GLP-1 & MSK Pipeline: Weight loss demand and chronic musculoskeletal pain are structurally reshaping pharmacy and surgical spend.

Plus, learn how to shift from claims-only reporting to predictive steerage — surfacing comorbidity risk and network adequacy gaps months before they become line items.

Four years of proprietary survey data. One clear trend: the benefits consultants and HR leaders who bring a forward-looking strategy will come out on top when 2027 renewals hit.

Download the report now.