Commentary: When it comes to grappling with complex health care benefit challenges, human resource and benefits personnel have a tough job actively engaging employees. Many workers simply feel that they don't have the time or knowledge to effectively manage complex health issues. Often, when facing financial or health care decisions, employees prefer that someone else make these decisions for them.

The reality is that most employees now are covering a greater percentage of their health care costs, leaving many feeling ill-prepared to make complex decisions when unexpectedly confronted with a serious illness. For companies transitioning to a consumer-directed health plan, the most important point to keep in mind is that the health plan a business adopts may not be as critical as how the business handles the transition to the plan.

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