Fellow brown employees I have read many of your posts, some are good some not so good!! My biggest concern with whole insurance issue is that the new teamcare insurance is only going to payout $200,000.00. This is not very much coverage if you need major surgery or if you get sick. I know the Taft Hartley laws waived all the unions rights to have to cover everyone with at least 2 million dollars in coverage. My fellow worker's The two things that must be changed is the max coverage for the retirees and the fact that central states can change coverage at any time they feel like they want. The insurance is good insurance just don't retire and get sick!! I am still voting No for these reason's!