Open enrollment is upon us, and it's time for some serious health care benefits decisions to be made across America.

As a broker, what should you keep in mind as you interact with HR departments and business decision-makers in preparation for open enrollment? According to Aflac, a lot.

Aflac conducted a study last month that underscored the lack of understanding among American workers when it comes to health care benefits, and how this influences benefits decisions during open enrollment. The findings showed that:

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