Having had both NJA medical insurance and a major airline insurance, NJA is good coverage. No argument that the coverage is solid and that solely looking at just medical insurance costs, that NJA is low, especially if you stay in network.

What is not talked about, is how expensive it is to provide that level of low cost coverage to NJA pilots. Pilot salaries are lower because of it, and airline salaries more than make up for the small premium cost per year. I and several of my NJA new hire class are gone, and not a single one has even mentioned that they miss not paying for healthcare.

My point is, nobody should go to NJA for the money or the low medical costs. Go there because you want to do this type of flying, and let the fringe benefits be a bonus to that.