Most employers offer mental health care benefits: that doesn’t mean they’re effective

While most employers offer mental health care coverage as part of their health insurance packages, major gaps in care exist. According to new research, many employers aren’t sure how mental health care services are being used by employees.

The 2025 Employee Benefit Research Institute (EBRI) Employer Survey, released Friday, polled professionals at 400 companies with 500 or more employees who made benefits decisions. Mental health coverage was a given almost across the board (97% of respondents said their company offered it), and several companies covered nontraditional programs, like financial therapists (62%) and mindfulness apps (74%).

However, there were also several gaps in coverage. Only two-thirds of companies covered substance use treatment. Only one-third of companies covered ongoing treatment for chronic conditions, and only a quarter covered care for those with “diverse cultural backgrounds and unique employee needs.” Even lower on the spectrum was stigma reduction campaigns that help create an environment that encourages employees to seek mental health care.

Interestingly, the gaps in coverage could be explained, at least in part, by the fact that companies largely aren’t tracking whether their employees are using mental health services. Only 22% analyzed claims data to ascertain how benefits were being used. Likewise, only 37% of employers measured how satisfied employees were with their health care plans overall.

“Complete and transparent access to claims data enables employers to design benefit programs that truly meet the needs of their employees and their families,” said Margaret Faso, policy director with the National Alliance of Healthcare Purchaser Coalitions, in a press release. “This study reinforces the importance for employers to continue efforts to achieve transparency to better support the health and wellbeing needs of their workforce.”

However, the survey also found that employers don’t feel that the breadth of mental health care services, pricing, or quality should be their responsibility. Only 10% said that the employer should be responsible for those aspects of care plans, and instead, that responsibility is on insurance companies (28%), federal (30%), and state governments (24%).