Human resources executives may have devoted a lot of time and investment to boosting health benefits and health-related services, but that doesn’t mean their workers are reaping all the benefits.

Some workers, in fact, are having more trouble than others in negotiating their way through the system. According to the Consumer Healthcare Experience Index survey, conducted by Harris Poll on behalf of health care concierge Accolade, younger workers — those under 30 years old — and working families need more support to navigate both health care and benefits, or they won’t be able to avail themselves of improvements that employers have added.

Young workers averaging under 30 years old are the most lacking in confidence about their ability to work their way through the health care system. Just 56 percent say they are comfortable doing so, while among retirees the figure is much higher: 76 percent say they’re comfortable tackling the health care system.