Whether an employee fully understands or takes advantage of health benefits available to them depends to a significant degree upon their income.

That’s the recurring theme of a report prepared by Aflac. Its 2015 WorkForces study gathered information from nearly 2,000 professionals in benefits-related positions at U.S. companies. As a screen, Aflac considered responses about the tendencies of employees who had a household income of $100,000 or more, comparing them to responses from those with a household income of $50,000 or less.

“Although the Affordable Care Act has provided more Americans with access to major medical insurance, there are still major disparities between higher- and lower-income households in terms of financial preparedness, knowledge about health insurance and benefits enrollment,” the study said. “Not only are those lower-income households less likely to have financial plans in place, they’re also less likely to have funds available to cover unexpected medial costs.”