Blame drooping international and emerging markets equities, at least in part.

Steady market returns in 2014 played a big role in the trend, but that wasn't the only reason.

The emergence of a pair of wonder drugs that cure Hepatitis C are driving up drug spending costs for employer sponsored health plans. But because of the effectiveness of the drugs, they are reducing overall spending in the long run.

The sixth reason group health insurance is bad for you, your family and your company is because it is unfair -- you are disqualified from receiving your $2,000 to $12,000 per year share of the trillion-dollar federal subsidy.