With healthcare being a major topic of discussion in the news as of late, more people are closely looking at their own health insurance options. A recent survey conducted by a major health insurance provider reveals that 40 percent "somewhat" understand their benefits package.

Part of the reason so many respondents say they don't completely understand their health insurance options is the language used. More than 70 percent said the open-enrollment process would be easier for them if simpler terminology was used instead of complex jargon.

It's important for people to completely understand their coverage options in order to make the most educated decision. Health insurance needs can change over time. A certain level of coverage may be needed for small children, while another one might be necessary for those who are getting ready to attend college, for example.

A number of employers are also beginning to roll out health savings accounts as part of their benefits offerings. Employees should make sure they are well-versed in the program offerings before deciding whether they want to participate, especially if they haven't used a similar plan in the past. Such accounts can help save on family health insurance bills.

A solid paycheck isn't the only thing that employees want from their employer. A recent survey conducted by the American Payroll Association reveals that other benefits play an important role.

The survey of nearly 30,000 people reveals that more than 40 percent of employees place more value on health insurance than on a larger paycheck.

Generally speaking, purchasing health insurance through an employer is the least expensive route for people to take. Most employers cover a certain percentage of costs as a benefit. Those who don't have the option of getting coverage through their employer can look for affordable health insurance quotes online to fine a plan that best meets their needs.

American Payroll Association executive director Dan Maddux says there are ways employees can help reduce their healthcare costs.

"The uncertainty surrounding healthcare is a big concern for employees and business alike," says Maddux. "As the costs of healthcare continue to rise, employees should consider Flexible Spending Accounts and other pre-tax, voluntary payroll deductions to ease the burden of these necessary expenses."

FSAs have grown in popularity as healthcare expenses have continued to edge upward. Contributions to such accounts save money as federal income and employment taxes are not deducted.