Three labs first sued Cigna, alleging $32 million in unpaid claims. But a countersuit accuses the labs of fraudulent billing.

Harvard researchers examined how the added cost of time and decision-making create barriers to retaining insurance coverage.

An important role for benefits brokers is helping their clients navigate this new world. For many brokers, this will mean expanding their product portfolio, as employers will be adding more voluntary benefits, such as financial well-being options, to their offerings.