If you've spent more time examining holiday sales ads than your open enrollment insurance materials, you're not alone.
A new survey from Aflac found that last year, 41 percent of employees spent less than 15 minutes researching benefits options during their employers' enrollment window—compared with an average two hours deciding which TV to buy. That can be a costly mistake.
Unless you're buying a top-of-the-line $4,000 set, health care is going to be the pricier financial decision. This year, the average worker paid out $4,823 in premiums, 3 percent more than in 2013, according to the Kaiser Family Foundation. And experts say more increases are in store for the coming year, so the plan you choose can make a big difference to your bottom line.
"This is a year where employers are making a lot of changes," said Beth Umland, director of research for health and benefits at Mercer, an HR consulting firm. "If you're ever going to read your open enrollment materials, this is the year to do it."