Employee-Paid

Under the law, PBMs must allow any pharmacy to participate in their network and allow patients to use their pharmacy of choice.

Jessica Brooks Woods, the outgoing CEO, has been a longtime advocate for health care access.

That company and four other big players overcame all of the negativity to generate about $180 billion in total revenue.

"If North Carolina is any guide, such regulation can be effective at leveling the playing field between the fully insured and self-funded markets," an analyst at Georgetown University's Center for Health Insurance Reforms said.

Jeff Smedsrud that the draft Affordable Care Act individual health insurance market rules will make individual major medical insurance more attractive and more affordable in many markets.

Product designers are trying to prepare for the possibility that more employers will drop traditional group plans.