Health Care Reform

Uninsured rates among lower-income adults jumped from 20.9 percent in 2016 to 25.7 percent in March of 2018.

To date, so much of the health care debate has been about whom to cover. Over time, it may be more and more about what to cover.

Manufacturers argue that market competition is enough to keep drug prices under control, but many drugs have no competitors.

"You'll likely have individuals that are younger and healthier not participating in that market, and consequently that drives up the costs for other folks within that market," Price said.

For Suzannah Gill, the end goal is always figuring out how to make a benefit plan more robust and help it work better for employees.

Small insurers, such as Centene and Oscar Health, have benefited from larger insurers significantly reducing the number of ACA plans they're offering.