BOSTON — As the annual benefits enrollment season is underway, a recent Fidelity Investments survey finds that employers still need to work on their plan educations efforts. The research explored U.S. workers' health care planning attitudes and behavior as well as their knowledge of basic health insurance terms and medical savings vehicles.

Although 61% of employees surveyed considered their general understanding of health care benefits terminology to be very good, the study revealed that in fact only 15% had a very strong understanding of key terms.

In addition, while 87% were able to identify what a "co-payment" was, only half of the respondents were able to identify a flexible spending account or a health reimbursement account, two tax-advantaged medical account vehicles available through employers today. Some 56% of the respondents also could not correctly identify a Health Savings Account.