"The types of initiatives employers are considering include going out to bid for their health insurers and pharmacy benefit managers to try to get lower prices ... [B]enefits such as support for caregivers, for which there has been employer interest in the past two years, 'may not be top of mind now' because the return on investment is longer term ... Employers also are looking at more limitations on health provider networks and coverage plans that encourage employees to go the 'best quality, most efficient providers'[.]"