Technology is continuing to transform the annual open-enrollment season, during which employees select workplace benefits for the coming year.

Consider this example: For the 2017 plan year, American Eagle Outfitters (AEO) increased the number of health plans offered at open enrollment. The company already offered two preferred provider organization (PPO) plans, which have low deductibles but high premiums, and a PPO-like, consumer-directed health plan (CDHP) with a health reimbursement arrangement (HRA). It added two low-premium, high-deductible health plans (HDHPs) with health savings accounts (HSAs).

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