To anyone unfamiliar with our health care system for typical employees:
Once a year, most companies have a "benefits training" session that explains this year's crazy health care situation. They're boring and I only go to the first one when I join a company.
But it's 2022 and we have youtube, so I found Ohio State's training in public: https://www.youtube.com/watch?v=VjAWj0f6DAc
Anyone employed with benefits needs to have at least a vague understanding of everything in there or they're at financial risk.
So when you hear about contractors fighting to become employees so they have access to benefits, they're fighting for the opportunity to make these benefits elections.
I know plenty of people who design systems for a living that find getting their elections right to be confusing.
You'll notice that a big part of our health care cost mitigation is projecting expenses. It's like a prediction market where you can only lose less, but if you get it wrong you can lose a lot.
Fun!