Americans feel that choosing their health care benefits is the second-most difficult major life decision that they face, second only to saving for retirement.

The findings come on the heels of a new survey by Aetna (NYSE: AET). The Empowered Health Index Survey found that survey participants thought that the proper selection of health care benefits was more difficult than purchasing a car, making decisions about medical tests, parenting and selecting other types of insurance.

Consumers found health care benefit decisions to be exceedingly difficult because of the cluttered and confusing literature that they receive explaining the benefits to them. Eighty-eight percent of survey respondents said that the available information was “confusing and complicated.”

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