Employees dont care much for healthcare benefits enrollment. In fact nearly one-half of them 48%would rather talk to their ex-spouse or walk across hot coals than complete their annual benefits enrollment, according to a new survey of 1,900 consumers by insurance company AFLAC Inc.

The survey also finds that 72% of employees believe reading about benefits is a long process, complicated or stressful, while 36% say the annual ritual of signing up for health insurance coverage makes them feel frustrated and confused.

The solution, AFLAC says, is to make signing up for health benefits more like shopping on Amazon.com. That may help employees take a more proactive role in signing up for and managing their health insurance, the report says.

That conclusion flows from 50% of consumers taking part in the survey saying they would highly prefer a more Amazon like approach to signing up for or re-enrolling for health insurance. Half of the respondent said theyd prefer their benefits enrollment process to be more like Amazon.com, with easy-to-compare options onlinesomething many health insurance exchanges are beginning to accomplish, the AFLAC survey says. Leveraging these tools could help to alleviate some of the current benefits enrollment challenges.

The survey also found that that online benefits tools are equally helpful across generations, with one exception: 70% of millennials (consumers ages 18-36) are more likely than non-millennials (only 61% of those 37 and older) to say websites or other online sources of information were helpful.

Employees clearly want their employers to offer more e-commerce and online tools to manage benefits enrollment, with 34% of respondents saying they would like to see their employer add daily deals such as those found on Groupon.com or online auctions like those on eBay.com, according to the AFLAC survey.

But only 49% of employers offer their employees a dedicated web site or another online site as a benefits enrollment resource, and only 19% of companies deploy web site features or functions that offer employees personalized policy recommendations, AFLAC says. The study found that fewer employers offered interactive tools or a summary of the previous years medical claims and expenses, but over half of the respondents who were offered these options at their workplace said they were helpful, according to the AFLAC survey.

More web tools for employee wellness and benefits do benefit employers, AFLAC says. Only 18% and 19%, respectively, of employers offered their employees digital doctor visits via a telehealth program or gave workers a wearable device such as a Fitbit to track health and wellness. Of the employers offering telehealth, 59% of companies say it helped to reduce employee health costs and 62% of companies supplying workers with wearables said the same.