Americans Prefer Cleaning Toilets Over Researching Health Benefits

When it comes to choosing the right health insurance plan, American workers are not spending much time researching the best options for themselves or their families. Even though the terms of health insurance policies can change year over year, 56 percent say they devoted less than 30 minutes to researching their benefits options during their last open enrollment, according to the 2015 Aflac Open Enrollment Survey.
In fact, many workers would rather be doing almost anything other than researching their health benefits. The survey found that more than a third (38 percent) would rather clean out their email inboxes, 23 percent would rather clean their toilets and 18 percent would rather do their taxes.
Despite the shift to more consumer-directed health care, U.S. workers are in denial about the financial consequences resulting from their health insurance choices. This is concerning, given that an Aflac study found more than half (52 percent) of workers have less than $1,000 on hand to pay out-of-pocket medical costs associated with unexpected serious illness or injury. And 42 percent waste up to $750 annually with mistakes made during open enrollment with insurance benefits.
Employees need to weigh not only the monthly cost of insurance plans, but also the amount of the total cost of their health care that they will be responsible for.