The benchmark would limit charges for out-of-network care by pegging reimbursements to the median in-network rate.

On average, 16 percent of inpatient stays and 18 percent of emergency visits left a patient with at least one out-of-network charge.

What practical steps should employers take to ensure they are doing the right thing, both legally and from a human perspective?

For an estimated 8 percent of spousal caregivers, offering care took a toll on their jobs -- but what about their finances?