In two years Skywest Employees are going to be forced into the CDHP/HSA (Consumer-Driven Health Plan) (Health Savings Account). NOT an FSA. They are doing away with HMOs and PPOs. It's a lot to explain here but it's insurance with a high annual deductible ($2400) and low premiums ($54/check for family). Good if you don't go to the doctor much, bad if you do. Most don't like the option but it is insurance.