How to survive your benefits enrollment period

Everything you need to know before you choose next year’s insurance plan.

Company benefits manual
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It's that time of year again!

Employers are rolling out their benefits packages for 2017, which means it's time for you to choose what your health care, life insurance and disability coverage will look like next year.

It may be tempting to check off the same benefits you had for 2016. After all, research from Aflac found that 57 percent of the 1,900 U.S. workers it polled spend less than half an hour studying their choices.

Failure to pay attention could cost you.

Employees' spending on deductibles and coinsurance has been rising as employers shift more expenses to their workers: The average annual deductible for coverage on a single person in a high-deductible plan was $2,099 in 2015, according to the Kaiser Family Foundation.

Don't panic. Here is a guide from CNBC's personal finance team on how to navigate through your benefits enrollment: