Is your benefits team besieged with health insurance queries? It doesn’t have to be that way.

There was a time not too long ago when employer-sponsored health care was simple for employees. When an employer purchased a typical health maintenance organization (HMO) plan, for example, the insurer told the employee where to get care, and if the patient needed to go to a specialist, their primary care physician made a referral.

“The problem was employees had very few choices. They were locked in,” said Joe Gregor, vice president, commercial segments and chief underwriting officer for Florida…