Last week I wrote about a study that found that employees spend far more time selecting a computer or television than they did researching their health plan options. This New York Times article goes further to explain why that is. When people are confused by too many choices, or the differences between plans aren’t clear, they tend just to stick with what they have. Passive enrollment, of course, makes that the easiest course of action. However, staying in the same plan year after year may not be in an employee’s best advantage, and over the long run it can raise costs by reducing competition. This is a concern for the public exchanges, but employers can experience this effect as well. While giving employees more choice is a good thing, it must be done thoughtfully. Decision support tools can help.