When it comes to benefits enrollment, employed Americans are unsure about who to turn to if they have questions. Many times, they fall back on selecting the same insurance every year, potentially undercutting employers' efforts to improve the enrollment experience by adding new plans or offer coverage at new price points. This lack of knowledge, paired with discomfort reaching out to HR, may lead employees to miss out on their available benefits or reach out to sources that lack knowledge.
Nearly three-quarters of employees (72%) said they wish someone would tell them what the best health insurance for their unique situation is. In addition, 44% of employed U.S. adults said they feel uncomfortable asking their HR representative questions about health insurance enrollment, while 47% said they call their friends or family members for help when enrolling in health insurance.
Nearly two-thirds (62%) of employed Americans said they don’t usually change their health insurance selections year over year because it’s too stressful, and nearly half (49%) feel pressure to select the most expensive health insurance option to ensure they have the coverage that they need.