They’re pretty sure they’re making the right choices, butAmerican workers don’t really understand the choices they’re making when itcomes to workplace benefits.

According to the 2017 Aflac WorkForces Report, 55 percent ofAmerican workers who receive benefits from their employer agreedthat completing their annual health benefits enrollment made themfeel secure, like being tucked in at night, or accomplished, as ifthey’d just finished a marathon. And 67 percent said they areconfident they understood everything for which they signed up.

But when push comes to shove, they don’t understand. Seventy-sixpercent of workers make benefits decisions without a complete knowledge of the overallplan, when they were specifically asked how well theyunderstood their overall policies such as deductibles, copays andproviders in their network, only 24 percent of these workers couldanswer they understood everything.

The really bad news? Worker understanding of their plans hasbeen on a steady decline since 2015, when 47 percent believed theyknew everything; that fell to 39 percent in 2016.

Younger workers lack knowledge about their health insurancecoverage, too, particularly those making choices for the first time(as 51 percent will be doing this enrollment season, according to aseparate survey), but they want to make independent insurancedecisions.

While 22 percent of young adults surveyed associate benefitswith independence, only 19 percent feel confident, and just 31percent say they feel prepared. Their biggest concern aboutchoosing their own health insurance plan is cost (44 percent),followed by understanding how health insurance works (36percent).

Among respondents currently on their parents’ plans (35percent), 54 percent are leaving their parents’ plan in the nextyear to buy their own coverage for the first time. And while 69percent of those on their parents’ plans don’t even know how muchtheir health insurance coverage costs, a surprising 41 percentindicated they contribute financially to the health insurance plantheir parents pay for.