I'm looking at the email from the R&I committee, dated 8/31, about changes to the FDX MEC LTD plan. Sounds like many people dropped the plan when the premium more than doubled, and they are trying to get people back into it.

It appears as if it may now be a good deal for some. With age banding, I would expect it's going to be much cheaper for younger people, but big bucks for the older groups. We will see, apparently no premium increases until 2020....but what then? Another interesting thing is the special enrollment period that if you have an FAA approved physical, you can enroll without evidence of insurability. Prior to this, they made it extremely hard for people with any possible issue to enroll if you hadn't enrolled shortly after getting hired (assuming it was because they were trying to discourage older people from enrolling, since they collect on this policy often). I know people who have been turned down for this policy multiple times, but apparently now they can apply in this special enrollment period and get it?

This is a really good policy and something to consider. It was pretty unattractive when the premiums jumped. But I wonder what happens if this policy is not supported by premiums in the future.