1) The current co-pay for UPS-provided PT insurance is $10, not $5.
2) The average PTer will earn an additional $11,000 over the lifetime of the contract, and have his future wage bumped by $3.90.
3) Yes, we'll pay more for our medical coverage, but many of the fee increases can be avoided with some hassle/panning. When the deductible peaks in several years, at most the average PTer will incur an additional several hundred dollars. Our dental payouts will not change (UPS is guaranteeing they'll be the same), and the vision insurance may be better for many of us. As I've mentioned before, VSP utilizes independent optometrists whereas EYEMED has access to chain, discount optical chains. Macy's often charges less than half per pair of designer framers than most optometrists; I purchased a pair of glasses - with an exam - for $99 last year which was LESS than what my VSP provider would've charged WITH insurance.
4) You have the ability to control your out-of-pocket medical costs. If you have severe chest pains, you absolutely need to go to the E.R. If your 5-year-old sneezes, you have no reason to go to the E.R. (or even a doctor). Be diligent -- if you have severe, or prolonged, symptoms from cold/flu, then you need to see a doctor. But such symptoms are rare, and most of the time you should merely rest a few days - there's nothing a doctor can do to help. If you have a positive relationship with your doctor, then you may be able to handle some of your health issues over the phone without an office visit cost.
5) UPS wasn't willing to continue to provide the health insurance status quo. Maintaining it was not an option. And I feel the union did a decent job in getting us both no-cost health care & a healthy raise ... personally, I'd rather have a bigger raise and slightly increased health care costs (e.g. $20 office visits) -- I exercise discretion when choosing to seek medical attention (using the method listed above). Why should I pay for those who don't?