Three out of four employers have changed their pharmacy benefits advisor in the past 12 months.

On average, workers scored 67 out of 100 for financial confidence, compared with 62 out of 100 for the financial behaviors needed to reach their goals.

This shift to paying for performance aligns with the CMS' new ACCESS model.

The findings of the Urban Institute analysis show that health insurance does not guarantee families can afford the care they need, according to researchers.

"What we're clearly seeing is growing demand for hyper-personalized support from employees," says Molly Beer, a retirement plan consultant at Gallagher.

Small business owners see employee benefits as essential to keeping their workforce productive and engaged, according to the survey results, but many say they need help actually delivering them.

More than half of women in the United States (51%) report difficulties accessing health care over the past five years.

"Where a medication is administered can have a significant effect on what an employment-based health plan pays, even when the medication itself is the same," said Paul Fronstin, director of Health Benefits Research at EBRI.