10/14/2026
Open enrollment is approaching, and employees are going to have questions. Plenty of them. The real challenge for HR teams is making sure employees have the information and support they need before they're sitting in front of a benefits portal trying to make decisions that could affect their finances and healthcare for the next year.
According to MetLife's 2026 research, nearly 75% of employees want benefits communications tailored to their individual needs, yet fewer than half say they're receiving that level of guidance. The research also found that while employees generally understand familiar benefits like medical and dental coverage, fewer than 60% understand options such as disability insurance, critical illness coverage, and hospital indemnity benefits.
That's a significant knowledge gap, especially when employers are investing considerable resources into their benefits programs.
The article raises several worthwhile considerations for HR teams preparing for enrollment. Employees need clear plan comparisons, opportunities to ask questions, information delivered through different communication channels, and enough time to understand their choices. They also benefit from practical examples that show how particular benefits might help them in real-life situations.
At WhiteWater Consulting, we regularly work with organizations evaluating their benefits strategies and PEO relationships. One consideration we encourage employers to examine is how effectively their benefits programs are being communicated and administered. The employee experience matters throughout the year, including when someone needs help understanding coverage, navigating a claim, or determining which resources are available.
With open enrollment approaching, it's worth reviewing the questions employees asked last year, identifying where confusion occurred, and considering what could be explained more clearly this time around.
How is your organization helping employees feel more informed and confident about their benefits decisions this open enrollment season?
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HR departments need to prepare to help employees with open enrollment and give them the information they need to make the best decisions.