Jonathan Reaves is a partner at The Reaves Agency, a 42-year-old benefits brokerage and benefits management company. Started by Reaves father, the Dallas-based company works with 300 small- to mid-sized clients.

One guy decides to switch up his New Year's resolutions for 2017.

Although lots of insurers have bailed on the program, the lack of competition has not seen a rise in premiums to a corresponding degree.