Whether an employee fully understands or takes advantage ofhealth benefits available to them depends to a significant degreeupon their income.

That’s the recurring theme of a report prepared by Aflac. Its2015 WorkForces study gathered information from nearly 2,000professionals in benefits-related positions at U.S. companies. As ascreen, Aflac considered responses about the tendencies ofemployees who had a household income of $100,000 or more, comparingthem to responses from those with a household income of $50,000 orless.

“Although the Affordable Care Act has provided more Americanswith access to major medical insurance, there are still majordisparities between higher- and lower-income households in terms offinancial preparedness, knowledge about health insurance andbenefits enrollment,” the study said. “Not only are thoselower-income households less likely to have financial plans inplace, they’re also less likely to have funds available to coverunexpected medial costs.”