Higher out-of-pocket costs. More than 40 percent of employers surveyed by Watson Wyatt said they would hike deductibles, co-payments and maximum out-of-pocket payments as a way to control costs. Deductibles are likely to rise by $50 or more, while co-payments might rise by $5 or more for each doctor's visit. In addition, some plans now require co-payments for services that previously were free. The idea is to make workers more aware of -- and more frugal about -- health costs.
Tighter rules for dependents. Companies are increasing premiums for spousal coverage, particularly when the spouse has the option of being covered by another employer plan.
Dependent audits are also becoming more common, so it's likely that you'll have to provide proof that your family members have the right to be covered under the plan.
Better wellness incentives. Participate in a smoking cessation or fitness class and your company is likely to give you cash, discounted premiums or a gift card.
Fewer options. Some employers will cut health plan choices down to just a few -- and one of them probably will be a so-called consumer-driven plan.
These plans typically offer free check-ups but have high deductibles that apply when you visit the doctor when you're sick.
Many companies pair them with employee health savings or flexible spending accounts, which can be tapped to then reimburse you for co-pays, prescription costs and other qualified medical expenses.
Employers believe these plans will make employees more cost-conscious and better health-care consumers.
Drug therapy. A number of employers are introducing prescription drug benefits that offer better coverage for drug treatments that are known to lower health costs and reduce hospitalizations.
What's the best way for you to deal with open enrollment? Spend a few hours thoroughly reading the plan documents and comparing the benefits offered by your plan with what's being offered by your spouse's plan, if applicable.
Many companies also offer online tools that can help you compare the costs and benefits of competing plans based on your typical usage.
Use them, Cigna's Kocher suggests: "There is a lot that you need to be savvy about if you're going to get good coverage that protects you and your family."