Is health coverage affordable? Depends on who you ask.

For benefits brokers, recognizing and accepting change will be half of the battle. But once they can do that, the road is open to playing a significant part in this transition.

Only 7% of women believe they have sufficient savings to last their entire retirement, and "it's incumbent on us in the financial industry to do a better job of reaching women as early as possible," according to IRALOGIX.

All employer plans are free to cover expenses the employer determines should be covered, however, fully insured plans will generally be forced to cover treatments mandated by state laws, while self-funded plans have more leeway.