By moving away from the centralized workplace, employees are missing out on the social connections that are intrinsic to office working.

In the past few weeks, key industries for voluntary benefits such as restaurants, hotels, public schools, and other service sectors have shuttered for an indeterminate period of time. And unfortunately, voluntary benefits are disproportionately skewed towards these hourly workers and sectors.

Health care sharing ministries, short-term coverage--these plans may cost less, but do consumers know what they're getting?