More than half of employees default to their current benefit coverage for the coming year instead of actively reassessing plan options, according to data from Aon Hewitt.

"It's easy to fall back on the status quo and assume that your 2012 benefits choices will continue to meet your needs in 2013," says Craig Rosenberg, Aon Hewitt's national leader for health and welfare benefits administration. "But changes to family health care needs, employer plan offerings and costs make it important for workers to reevaluate their selections every year."

But a number of factors—including rising costs, the declining health of the population and new provisions under health reform—make changes even more important this year.

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