Article: Apples to apples? ; During open enrollment time, it can really pay off to learn the nuances of HMOs, PPOs, and other common health insurance plans

It's open enrollment season for many employer-sponsored health plans. And with some businesses asking workers to pick up more of the growing health cost burden, this is no time to sit on the sidelines.

Sticking with last year's plan might not make sense, and in some cases might not be possible if employers have switched offerings. So health insurance specialists say employees should be prepared to do some research.

"It really is an exercise of understanding your personal situation, your finances, and how much you use health care or anticipate using health care," said Sara Taylor, health and welfare strategy leader at consulting firm Hewitt Associates.

Figuring those things out can be ...

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