"Why does health insurance have to be so complicated?" one might ask, particularly in this season of health exchanges, health savings accounts and broken healthcare web sites. Hey, at least it's not as difficult as the U.S. Tax Code, but just give it time. Health insurance is just one of those things that people don't want to learn about; until they need it, that is. Most of us have had company benefits explained to us time and time again, only to need a refresher course every time open enrollment rolls around. Well, get ready, because if you think it was…