Group captives are among the fastest-growing segments of the captive insurance market, expanding options and creating a greater need for advisors to help clients evaluate quality and risk.

If insurers started their own digital, "insurance-integrated" drug sales programs, that could lower what the patients pay out of pocket to use the programs and encourage more patients to try the programs, analysts say.

Although the ACA included some changes to employer-sponsored health insurance as well, particularly for plans sold to small companies, the changes were more minimal for larger employers, which generally already offered more comprehensive health insurance before the ACA.

Employers cannot afford complacency or the false comfort of rate caps and blanket No New Laser provisions that disguise risk rather than manage it.