COVID-19 has created unprecedented challenges and uncertainty in every aspect of our lives, with the future impact on health care costs no exception. Our objective is to deliver relevant information rooted in research and data to provide insights on how COVID-19 will impact employer-sponsored health plans. For purposes of this analysis, we will focus on experience-rated fully insured health plans and self-funded plans with stop-loss protection, which generally applies to employers that cover 100 employees or more.