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4 common open enrollment mistakes {Aflac}

When we’re barreling through life, making huge decisions for our families and ourselves all willy nilly, we often overlook the details.  I mean, every decision requires some thought, but the day is short.  Right now our family is making some big changes.  We’re leaving some securities behind and diving head first into a family business.  It is taking off and we are very excited about the future, but as with all changes, we need to think about the details.

Being your own boss, running a family business and reaching successful heights is the American Dream.  It’s amazing — but when you can’t rely on a company to keep you insured, what do you do?  With 2 littles kids and 2 adults (who aren’t getting any younger) health insurance is really important.  We eat right, we exercise, we don’t really have any bad habits… but what about the unexpected?

Americans typically spend four hours shopping for a new computer, but only 15 minutes or less researching their benefit options… nearly a quarter spend less than 5 minutes.


I’ll be the first to admit, through the different jobs my husband or I have had, 5 minutes sounds about right.  Quick glance over the bold words and numbers and I’m out.  Not good.  These three knuckleheads are depending on me…


So what do you need to know?  Know what mistakes not to make.

Common Enrollment Mistakes:

  • Rushing the process.  Set aside adequate time to go through your options or you will make hasty decisions and end up wasting money.
  • Auto-enrolling. The 2014 Aflac Open Enrollment Survey found that the majority (90 percent) of workers are “auto-enrolling” or keeping the same benefits year after year. A lot can change over the course of a year!

  • No research.  Most workers do not understand their benefit choices… 73% from the survey only sometimes, rarely or never understand everything that is covered by their policy.  Take time to look up terms you don’t understand such as voluntary insurance, deductibles, out-of-pocket expenses and others.
  • Creating a burden.  Know what works for you.  In addition to monthly premiums, make sure you can afford the yearly deductible costs. If a high deductible looks like it may be a burden, choose a plan with a slightly higher monthly premium and a lower deductible that may be easier to manage.

Aflac Incorporated is a Fortune 500 company providing individual and group voluntary insurance products that help deliver protection to more than 50 million people worldwide.  They offer accident, dental, life, vision, cancer, hospital intensive care and more voluntary insurance policies.  Feel like you made the right choice as in 2014, Fortune magazine included Aflac on its list of Most Admired Companies for the 13th time, ranking the company #1 in the life and health insurance category!

To learn more about open enrollment, visit the Aflac WorkForces Report.

Do you research your benefit options? Or just auto-enroll?


I was selected for this opportunity as a member of Clever Girls Collective and the content and opinions expressed here are all my own.

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  1. October 7, 2014 at 1:06 pm — Reply

    I really love the picture you used! It can be a totally hassle! These are great tips!

  2. October 7, 2014 at 1:08 pm — Reply

    Aflac is awesome. Wish my work offered it

  3. October 7, 2014 at 2:09 pm — Reply

    Great tips! I have been guilty of most of those mistakes all to often! Health insurance can be so confusing when picking the right coverage

  4. October 7, 2014 at 6:20 pm — Reply

    I was just discussing this with a friend — we both agreed that auto-enroll could be dangerous!

  5. October 7, 2014 at 8:57 pm — Reply

    Our insurance really needs some research. We made a switch a few years ago that is costing us an arm and a leg. We need to reevaluate.

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