Commercial plan formulary designers have been especially tough on drugs for people with migraines, multiple sclerosis and multiple myeloma.

Evanko, Cigna's president, believes the company can still make more use of technology to hold down employers' costs.

HR leaders do not need to wait for the economy to rebalance to address what workers are feeling. Compensation transparency, meaningful feedback structures and leaders who model vulnerability are tools available now.

When workers in the Reserve and Guard are on active duty, USERRA provides coverage continuation and plan reentry rights.