New research from supplemental insurer provider Aflac shows that open enrollment periods are a source of confusion for American workers.

Conducted in 2011 by Harris Interactive on behalf of Aflac, the survey of 2,220 U.S. adults found that 76 percent of American workers who make decisions about benefits coverage during open enrollment admit to making mistakes about their benefits decisions Moreover, 74 percent of acknowledged say that they only sometimes or rarely or never understand everything that is covered by their medical insurance coverage. One consequence of workers not fully understanding their health care insurance policies is fear of unexpected medical expenses. In fact, 83 percent of respondents indicating that they are at least somewhat concerned about the possibility of an unexpected medical expense, with 30 percent saying they are extremely/very concerned, considering their current financial situation.

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