2025 Annual Open Enrollment Report

What AI Revealed About How Employees Actually Make Benefits Decisions

Cascade AI’s second annual analysis of real, anonymized employee conversations during Open Enrollment.

The year-over-year shift is the most important finding yet, and it is a signal every HR leader should see.

Employees arrived at Open Enrollment 2025 asking sharper questions, running real cost scenarios, and making active decisions about coverage instead of defaulting to last year’s plan. For the second year running, Cascade AI analyzed real, anonymized employee conversations during Open Enrollment. We’re sharing what we learned about how employees actually make benefits decisions. It is something every HR leader should see. 

The data will change how you think about what employees need from benefits support. 

WHAT’S INSIDE 

  • The year-over-year data showing how employee behavior shifted in a single year 
  • When employees actually make benefits decisions 
  • What anonymity unlocked that no other channel could 
  • What it all means for 2026 

Download the 2025 Annual Open Enrollment Report

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