It's that time of year again, when HR managers force employees to choose their benefits packages for the coming year. Despite all the hullaballoo created by state insurance exchanges and the Patient Protection and Affordable Care Act, most employees will just sign up for whatever they had last year without looking at their options.

It doesn't have to be that way, says financial services giant MetLife, which just released findings from its 11th annual Employee Benefits Trends Study.

"When employees simply roll over the previous year's selections, they are often missing out on important new coverage options and potentially leaving money on the table," said Michael Fradkin, senior vice president of Voluntary and Worksite Benefits at MetLife.

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