Пять крупнейших американских работодателей сокращают льготы и медицинское страхование

Five of America's largest employers announced or confirmed major healthcare and benefit reductions this week, part of a wider cost-containment wave that gives group brokers both a reference point and an opening heading into the 2027 renewal cycle. Walt Disney Company will stop covering working spouses under its healthcare plan in 2027 where those spouses have access to employer-sponsored coverage elsewhere. The change applies to the company's more than 200,000 US employees. Disney communicated the decision through an internal memo from Eric Chaisson, its executive vice president of total rewards and employee services. The memo framed it as part of a broader benefits overhaul called "Total Rewards" in response to rising healthcare costs nationwide. Bloomberg LP announced that employees will begin paying monthly premium contributions for the first time in the company's history. The internal memo, obtained by media outlet Status, cited rising healthcare costs and a market-wide shift in how healthcare is funded. The memo noted that Bloomberg's no-contribution approach had "lasted longer than any of our peers." No contribution amounts or effective date were specified. Starbucks confirmed it will end employer-sponsored coverage for glucagon-like peptide-1 (GLP-1) medications when those drugs are prescribed for weight loss, effective October. Coverage continues when the same medications are prescribed for diabetes and other approved conditions. The change affects benefits-eligible employees, which at Starbucks includes workers logging at least 20 hours per week. The Starbucks decision mirrors a broader employer retreat from weight-loss drug coverage. A 2026 survey by Mercer found 6% of large employers dropped GLP-1 weight-loss coverage in 2026, with a further 5% planning to do so in 2027. The International Foundation of Employee Benefit Plans, meanwhile, reported GLP-1 drugs represented 11.4% of corporate employers' total annual health claims in 2024, up from 6.9% in 2023. Deloitte confirmed benefit cuts for employees in its "Center" talent segment, which covers internal IT, finance, and administrative functions, effective January 1, 2027. Paid parental leave for those employees will be cut from 16 weeks to eight. The firm's $50,000 adoption and surrogacy reimbursement program, which also covered IVF-related costs, will be discontinued for that group. Pension accruals for Center segment employees will stop after December 31. Zoom Video Communications cut paid parental leave for birthing employees from a prior range of 22 to 24 weeks down to 18 weeks. Non-birthing parents saw their entitlement reduced from 16 weeks to 10 weeks. The changes, confirmed by a company spokesperson to CNBC, took effect in 2026. Zoom described the move as bringing its parental leave policy more in line with market norms. Rich Fuerstenberg, senior partner in Mercer's health practice, put the CFO logic to CNBC: when healthcare cost increases run into the low double-digits, everything in the benefits budget is fair game. For group brokers, the announcements together carry more weight than any individual plan design change would. When employers of this scale make structural cuts, mid-market clients who previously treated spousal carve-outs, formulary exclusions, or benefit reductions as too disruptive begin to ask questions. The broker who has already modeled the options is in a different position than the one who hasn't. Aon projected a 9.5% increase in employer healthcare costs for 2027 in recent analysis drawing on data from more than 1,100 US employers covering $135 billion in health spend. Average per-employee spending would exceed $19,000, the fourth consecutive year of near double-digit increases. Joshua Lavine, CEO of Capitol Benefits, an insurance advisory firm, called the Disney move "the extreme, nothing-else-can-work solution." He told Yahoo Finance that reducing the employer's premium contribution for spouses is a less disruptive path to the same cost outcome. His point applies across all five announcements: the question for mid-market clients is not whether to act on cost, but which available tool fits their workforce, their culture, and their ERISA obligations. Any spousal eligibility change requires updates to the plan's summary plan description and open enrollment materials before it takes effect. A formulary exclusion for a drug class requires advance notice to affected employees. A parental leave reduction must be clearly scoped to the affected employee segments or it creates ambiguity that ERISA-plan audits will surface. The 2027 open enrollment conversation is already underway for employers with calendar-year plans. The announcements from Disney, Bloomberg, Starbucks, Deloitte, and Zoom give group brokers concrete, current examples to anchor plan redesign conversations with clients facing the same cost environment but not yet certain how to respond.