I have my employee handout right in front of me...let's see. 1. "FedEx has always been committed to the health and well-being of it's people". A complete lie, unless you're talking about management and pilots. 2. "FedEx is self insured". True, and by choice because it is cheaper for them. Please, Fred, use a traditional insurance company. 3. "Cadillac Tax". Another whopper. Our plan is a "Yugo" Plan, down from a "Chevette" Plan. If FedEx gets taxed for this, it's not a result of what the hourlies are getting. 4. "Helping employees make healthy choices and become more engaged health care consumers". Translation: You will be paying more for less coverage. 5. HRA-"A Valuable new feature". Yes, to FedEx, because it is a pittance given to employees to make it seem like they are "getting something". You ARE getting something...the shaft. 6. In-Network PCP Visits/No Deductible. A very small "bone" you have been thrown to show "FedEx Cares". 7. Consumer Choice and Consumer Premier Deductibles. This is where you really see how much FedEx "cares". Bend over. Can you say "co-insurance"? This is really a poor quality plan, with very high costs to the employee. If you, or someone in your family has a chronic and/or serious medical condition, Fred has just flipped you the bird with both fingers. Perhaps Mr. Smith should show all of us the Medical Plans of the Upper Management Team and our Pilots so we can compare what we are getting to what they are getting. This will never happen, and it doesn't take a genius to know why. UPS drivers pay ZERO for their medical, which is far superior to the crap plan we get that costs huge money. Bottom line? Another way for Fred to pad profits by screwing us...again.