Free medical or not. There is NO way anyone can spreadsheet out compensation with NJA vs any major and see that objectively NJA would be ahead. It’s impossible. Most Majors in a 20 year career are up over 2M or more. Those are objective quantifiable numbers, no debate. Compensation defined as Salary, Bonus, Retirement contributions minus benefits.

If you like living in Morgantown WV and don’t mind knowing you are leaving miney on the table. Then good for you. You have subjectively decided NJA is a better fit.

United has like 15 different medical plans. From 600 to 50 a month. Southwest offers a free plan. Delta has a ton of plans with costs from 50 a month to 400. Majors have better LOL and disability insurance than NJA offers.