Previous years I had access to all of the info, plus the only real decision was how much to put in our FSA. Now we have to choose between PPO and HSP. The PPO has the FSA, but the HSP has an FSA, but you also need a LPFSA for any dental or vision. Then it's a huge numbers game.
The company puts some money in the HSP, but the deductibles are very different as well as the coverage level. They each have different tax implications and rollover benefits too.
The biggest pain in the assss? They've now sent 5 different peices of info and not one of them includes how much the plan costs! The employee has to log-on from a work computer and select the different plans to see what each cost.
The only good part is that for each plan you can save $40 pp/month by filling out a one time health survey AND you can save $34 pp/month for filling out a tobacco free affadavit or completing a free cessation program.