What happened last year was abnormal. Rising volatility will lead to a healthier market.

The average subsidy amount used may have increased 35%.

Adding more direct-to-consumer health services could be crucial for the success of CVS's $68 billion merger with Aetna, which the companies have touted as a way to control medical costs.

A retirement plan committee also lessens the risk of bad or on-the-fly decision-making.