The plan itself will remain similar from what I read with a few exceptions (such as less flexibility with network vs. out of network and a few other things). The big thing here is our new premiums cost. With our current CBA you know every year what to expect for premiums cost and the company has a max increase which still keeps our premiums very affordable. In the new TA our premiums cost is completely unknown and will be a surprise every year.....(example: "Folks, this year our actuary has determined that your health care plan cost will be $XXXX times 18% and therefore your new buy up plan premiums will be $1175 per month....don't like it? Too bad!)