Healthcare changes

I talked about what might happen with my union's contract last time. However, there are sometimes annual changes to healthcare that are of the take-it-or-leave-it nature. Our copays are going up $5 and our deductibles are going up $550. All the districts in the county joined together for this coverage, so we could get better rates. Rates are going up now because over 1,000 families are no longer paying into the system because 1,000 teaching positions have been eliminated this past year. That number doesn't count those teacher laid off with insurance already under their spouse's employment. In any case, we're taking it because there are no other comparable options for us.