Yeah bingo.

The Company is self insured. They pay all those health insurance claims themselves. The regular plan has zero dollar premiums. All the senior FAs have to do is give away their trips, do recurrent, and go on vacation. It's a great deal for them, but it costs the company a lot of money. Healthcare for old folks isn't cheap.

I don't begrudge the FAs for having that in their contract. It's awesome for them, but it's low hanging fruit for the company.