Yet another study shows many Americans know little about the state of their health care benefits.

A survey by Sun Life finds that 54 percent of U.S. employees don't know what the out-of-pocket maximum is for their health plan.

That statistic alone underscores the financial risk that so many insured Americans live with on a day-to-day basis. Americans are spending, saving and planning for their retirements without knowing what effect a major medical event could have on their finances.

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