It's open enrollment season for health-care insurance at many employers.

Increasingly on the menu? High-deductible health-care plans, which are often accompanied by health savings accounts. According to a late-2012 report from Mercer Consulting, 22% of employers now offer a high-deductible plan, and 16% of workers are enrolled in such a plan. The larger the employer, the more likely an HDHP/HSA combination will be on the menu. In some cases, high-deductible plans are employees' sole health-care options; at other employers, workers can choose between a traditional health-care plan with a higher premium and/or one with a higher deductible.