An Aflac survey found that many American workers spend less than 30 minutes researching their health insurance options during open enrollment. In fact, over a third would rather clean out their email or clean toilets than research benefits. However, most workers have less than $1000 for unexpected medical costs and waste up to $750 annually by making mistakes during open enrollment. The article provides tips for choosing the right health benefits plan, including comparing options, understanding costs, considering additional insurance, and getting advice from HR.