Picking a health plan used to be easy. Not anymore. Today, whether you receive coverage through your employer , buy insurance on your own or are covered by Medicare , you likely face a slew of choices. Problem is, just as too many investment options in a 401(k) plan can paralyze employees, the same happens with health care. Indeed, a third of employees say they either don’t understand or know nothing about their health care coverage, according to one survey .