Before You Sign Up for Health Insurance at Work, Read This

It’s open enrollment time at workplaces across the country – for health insurance as well as a bevy of other benefits. Here are four tips to help navigate the maze of benefit decisions.

A hand lines up a wooden block with a check mark on it at the top of a column of identical blocks.
(Image credit: Getty Images)

The fall open enrollment season for employees is upon us, which means millions of American workers will need to make a number of complex decisions when it comes to their benefit selections. In fact, typically the average employee may have to make decisions on over 17 benefits.



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1) For illustration purposes only. Number of benefits decisions will depend on employer offering


2) Voya book of business data as of 12/31/19


3) The Kaiser Family Foundation Health Stats; Nov. 2014 study. Reviewed and updated 11/20/19


4) Voluntary Hospital Indemnity and Supplemental Medical Products SpotlightTM Report, Eastbridge Consulting Group, Inc., 2019 (average annual premium cited is for group products only)


This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Rob Grubka, Fellow in the Society of Actuaries
CEO, Health Solutions, Voya Financial

Rob Grubka is chief executive officer of Health Solutions for Voya Financial. In this role, he is responsible for product development and management, distribution and the end-to-end customer experience for Voya’s stop loss, group life, disability and supplemental health insurance solutions, as well as health savings and spending accounts, offered to U.S. businesses and covering more than 7 million individuals through the workplace.