This year started off with a lot of promises of Big Changes–a new president and GOP-controlled Senate and House offered up a lofty to-do list and the zeal to get it done. The “repeal and replace” of Obamacare was a top issue in January… and still limping along in a battered-and-bruised state in December–Obamacare itself was in something of a similar state. The GOP was faced with a health care policy that just wouldn’t die, despite their best efforts.

The ACA wasn’t the only thing that thwarted death this year. The insurance broker industry’s favorite bad-boy, Zenefits navigated government fines, company restructuring, a slew of bad PR and more, announcing a new business model. And natural disasters took their toll on areas across the country, breathing new life into Employee Assistance Plans, a benefit teetering on the brink of acceptance.

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