Health Care Benefits Second Most Difficult Decision for Consumers: Aetna

from Spencer’s Benefits Reports: Americans rank choosing health care benefits as the second most difficult major life decision, behind only saving for retirement, according to a recent survey from health care company Aetna. The Empowered Health Index Survey noted Americans ranked choosing health care benefits more difficult than purchasing a car, making decisions about medical tests or treatments, parenting, and selecting homeowners, renters, or auto insurance.

The survey also found the following:

  • Consumers who found health care benefits decisions difficult cited the following reasons: the available information is confusing and complicated (88 percent), there is conflicting information (84 percent) and it is difficult to know which plan is right for them (83 percent).
  • While reducing health care costs continues to be a major political and social issue, many consumers do not monitor their own costs closely: 43 percent said that they rarely or never track how much they spend on out-of-pocket health care costs.
  • More than three-quarters of consumers believe that all of the key elements of health care reform are important for their families or them. However, 41 percent of respondents said that they need more information on health care reform to understand its impact.

The survey includes responses from 1,500 individuals age 18 years or older. For more information, visit

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