Benefits Madness

摘要

Call it november madness.Tens of millions of workers, rather than picking basketball brackets, select from a confusing lineup of health insurance plans and accounts during an annual ritual known as "open enrollment." Complicating this year's choices: For the first time more than half of employers surveyed by benefits consultant AON Hewitt are offering "consumer-driven" health plans that require workers to pay hundreds or thousands in deduddbles. While the main point of such plans is to contain costs (or at least shift them to employees), they can be a smart choice if you're wealthy, healthy or young—and understand what you're buying into.