Forget the election: Americans have another important decision making event coming up that's far more important—selecting their 2013 health benefits.

A survey from Aetna finds that Americans rank choosing health care benefits as the second most difficult major life decision behind saving for retirement.

Survey participants reported that choosing health care benefits is more difficult than purchasing a car, making decisions about medical tests or treatments, parenting, and selecting homeowners, renters or auto insurance. Consumers who found health care benefits decisions difficult cited these 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).

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