Core and Group Health

"Our survey suggests that many employers are unsatisfied with the standard group health insurance model -- and many employees feel the same way," eHealth CEO Fran Soistman says.

Check out the slideshow to see which states have a handle on health care spending, and which have the most work to do.

It all depends on the health plan and whether it is fully insured or self-funded, but travel and lodging, as well as EAPs, may be available to employees.

Regardless of the path to reducing prescription drug costs, a fundamental starting point is transparency — supplying all stakeholders with clear data on where the money is going and what it's for.

For sponsors of employee health plans, there are both positives and negatives.

Medicare Advantage is projected to enroll more than half of all eligible Medicare beneficiaries next year.