It wasn't just employees who cut back on what went into the 401(k).

Unnecessary health care services cost the industry $750 billion annually. For employers looking to bring their health care spending into check, this is a good place to start.

The massive storm -- which is forcing more than 1 million people to flee -- has already affected the market.

Health researchers and advocates have identified a number of potential solutions that could tackle the problem of balance billing. Take a look.