More than 8 in 10 employers are interested in using artificial intelligence to help workers better understand their benefits.

"Instead of reining in bad actors or addressing spiraling costs, emerging state proposals all too often loosen arbitration standards for providers or restrict private sector efforts to curb unnecessary arbitration and irresponsible billing practices," Dillon Clair, director of state advocacy at ERIC, wrote in a letter to the National Council of Insurance Legislators.

"Many interactions that support coordination, learning, mentoring, problem solving and attachment to the firm occur informally and repeatedly through face-to-face contact," the report said.