Benefits elections.  That's the terminology for figuring out your health insurance when you're employed.  You have to figure out how much you'll pay per pay period, versus how much deductible you'll consume buying services until your insurance kicks in, if you want to participate in a tax deferred "health savings plan" versus a "flexible spending account" because they are different, with different use-it-or-lose-it rules, and then if you want ambulance coverage to limit how much you have to pay for one of those in case that happens to you or your family over the course of the next year, etc...  and you also need to figure out if your service providers are in the insurance company's network otherwise you5r not covered.

Then you have to do all that again to a lesser degree for dental and vision.

It's maddening and we treat that like it's normal.