Many Americans believe the healthcare system in the country needs to change. A study by the Commonwealth Fund looked at medical care in the U.S. along with those of 10 other industrialized countries.

In comparison to other countries, Americans spend more time completing paperwork for group and individual health insurance plans. Twenty-three percent or fewer of those in Switzerland, the Netherlands and Germany reported spending a lot of time with paperwork, compared to 31 percent in the U.S.

Commonwealth Fund president Karen Davis says the research shows there is much work to be done, but the American healthcare system can look towards other countries for ideas.

"The good news is that there are opportunities to learn from other countries, and Affordable Care Act reforms will provide affordable insurance options for the uninsured, make sure insurance pays for essential care, and provide financial security for millions."

Even though paperwork may seem cumbersome, it's important to ensure all documents are completely read and filled out. Not understanding health insurance options can lead one to pay more for coverage than is necessary.