Blue Apron Holdings Inc. has lost its top human resources executive, implemented a temporary hiring freeze of salaried employees and fired part of its recruiting team.

In a year when major insurers like Aetna and Humana are pulling out of state exchanges left and rightleaving some 35,000 people in 45 counties with no insurance options, and 3 million more in 1,388 counties with just onea growth story like Oscar's is not only rare, it's virtually unheard-of.

Despite the growing similarities between employee benefit broker and voluntary broker segments, and some convergence between the two groups, notable differences remain.