Burnout among Americans in the workplace has escalated to a six-year high, according to the 15^th annual Aflac WorkForces Report¹ released by Aflac Incorporated, a leading provider of supplemental health insurance and products in the U.S.² The report tracks the state of the American workplace among employees and employers — shining the light on trends, attitudes, needs and experiences in health care and benefits administration.

Toll of stress and burnout 

Nearly 3 in 4 (72%) U.S. employees face moderate to very high stress at work. Gen Z has surpassed millennials as the most burned-out generation, with 74% experiencing at least moderate levels of burnout, compared to 66% of millennials in 2025. The report reveals fewer employees are confident that their employers care about their mental health (48%, compared to 54% in 2024). Heavy workloads (35%) continue to be the top driver of stress. Outside of work, employees across all generations face stress and worry around finances, personal responsibilities and uncertainty about the future.

"New Aflac WorkForces Report data around the prevalence of stress and burnout should raise a red flag and is certainly a matter that requires attention," said Aflac Chief Strategy Officer Matthew Owenby. "Breaking the cycle of stress and burnout may begin with employers carefully analyzing employees' responsibilities both on and off the clock and threading the needle between productivity and home life balance. Developing a broader understanding of what is driving stress can support the creation of programs that alleviate burnout which, in turn, can deliver a higher level of productivity."

Looming undercurrent of financial fragility

American workers continue to feel financially fragile. More than 2 in 5 (44%) employees — and 54% African Americans, 51% Gen Z and 46% U.S. Hispanics — said they could not pay $1,000 in out-of-pocket costs for an unexpected illness or injury. As prescription drug prices and health care costs rise, American workers are experiencing medical cost anxiety, "medanxiety." More than half (52%) of employees say they feel anxious about health care costs not covered by their insurance. Medanxiety is highest for Gen Z (61%, up from 54% in 2024) and is on the rise for baby boomers. Nearly half of employees have delayed treatment or medical care because they could not afford it (45%), and 40% weren't sure if it was covered by their health insurance.

According to the report, American employees' confidence in their health care coverage if faced with a major health event has declined over the past year (58%, compared to 64% in 2024). Most employees underestimate the financial burden of a serious diagnosis. For example, nearly three-quarters (72%) believe the out-of-pocket cost for a year of cancer treatment would be under $2,000. According to a recent Journal of American Medical Association (JAMA) Network study³, privately insured patients with newly diagnosed cancer, particularly those with more advanced disease, had substantial out-of-pocket costs in just the first six months after diagnosis (averaging nearly $600 per month) — with later diagnosis stages costing even more and continuing care incurring additional expenditures each year.

Employers understanding of employee benefits needs shows decline

Nearly three-quarters (72%) of employers believe their employees understand their total health care costs, yet only 54% of employees say they do, according to the report. Only 2 in 5 (42%) employees are confident that they understand everything about their health insurance policies, down from 49% in 2024. More than two-thirds (69%) of employees say they wish their organizations would provide more information about their benefits packages than they currently receive. Employers could help employees by communicating more about benefits, as 54% say they only communicate about it leading up to open enrollment.

Supplemental benefits stand out as an important part of a comprehensive benefits package and a viable step toward financial stability and peace of mind. They can help fill the financial void left by high deductibles, co-pays or other unexpected medical expenses. The study shows 90% of employees believe the need for supplemental insurance is increasing — most notably among U.S. Hispanics (94%), African Americans (93%) and Gen Z (94%). African Americans (60%) and U.S. Hispanics (50%) are more likely to purchase voluntary benefits to help offset financial costs of health care, yet only a third (34%) of all employers offer supplemental insurance options to their employees.

"Supplemental insurance — something that 90% of employees believe is needed but only 34% of companies offer — can help ease financial stress and bring added peace of mind to their workforces, improving well-being that can lead to increased productivity and retention," said Owenby. "This can have a profound impact on business outcomes."

Added benefits of belonging in the workplace

Fostering a sense of belonging is vital to a healthier, more productive workplace. The report underscores that when employees feel they belong and have purpose, satisfaction rises, stress eases, burnout drops and engagement deepens. Employees who feel they belong experience far less workplace stress (30%, compared to 56%) and lower levels of burnout (55%, compared to 78%), compared to employees who don't feel they belong. They also report much higher overall job satisfaction (77%, compared to 28%) — and are more satisfied in their relationships with colleagues (80%, compared to 34%) and superiors (78%, compared to 29%).  

"Employees' sense of belonging influences how they feel about their roles, colleagues and organization as a whole," said Owenby. "We should all take note and explore ways to build cultures that genuinely support opportunities for a more engaged workforce — one that is grounded in purpose and value. Belonging is a powerful driver of employee well-being."

The 2025-2026 Aflac WorkForces Report highlights the vital role of comprehensive benefits in employees' well-being, satisfaction, resilience and retention. Additional survey findings trends and more can be found at Aflac.com/AWR.