"Having a sense of purpose gives people energy and helps them feel happier and healthier," Stuart Lustig, national medical executive for behavioral strategy and product design for Cigna Healthcare, said in a statement.

Many small employers told a survey team that they want to try programs like ICHRAs, even though they know little about the programs.

"Other than out-of-pocket costs, I would wager that prior authorization review is the one thing consumers find most burdensome in our current health system," says Drew Altman, president and CEO of KFF.