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

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

Nearly 40% of Americans have stayed in a job longer than they wanted to because they or a family member needed health insurance.

The employee benefits market is increasingly shaped by trends that include regulatory volatility, shifting compliance priorities, accelerated cost pressures and ever-evolving workplace demands.

This projection marks the fourth consecutive year of elevated health care cost trends approaching double digits and extends one of the most sustained periods of health care inflation employers have faced in decades.

Nearly three-quarters (73%) of HR professionals said "employee feedback" is the top factor they consider when reevaluating spending account providers.

"Today's workforce needs aren't one-size-fits-all anymore, but many small businesses still feel forced into one-size-fits-all benefits," according to a recent report.

Key drivers of the premium hike, according to insurers, include the rising cost of health services, the expiration of the enhanced premium tax credits, and some federal regulatory changes.