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Researchers defined low-wage as two-thirds of the median wage of workers in their prime working years of ages 25 to 54, or $17 an hour.

Deloitte analysis indicates genders consume health care differently, with women seeking more care and treatment.

It's time to help companies own their plans, propel health care outcomes and restore affordability for themselves, their employees and their families.

Confusion and lack of understanding are costing employees, their families, and their employers money and lost time. For brokers, this creates opportunities.

"When it comes to reviewing global benefits benchmarks and requirements, global HR teams should be conducting research at least one per year to ensure polices are still compliant and updated," says Katherine Loranger.

The average reimbursement amount for insurance premiums submitted over the last year was $573.14.