Page 38 of the T/a doesn't give up anything. Please everyone read what it says instead an individual trying to spin the negative part of it his way for some reason. The ACA that goes into effect in 2018 for plans that reach " Cadillac status" will receive the excise tax of 40%. They have set this rate at 27,500.00. Any plan that cost more than that is subject to this tax in 2018. This is congress doing this by the way. Not the company. If your plan doesn't exceed 27,500 for the year. Then this letter on page 38 doesn't even apply to it. Currently none of our plans are considered " Cadillac status" we are pretty sure that by 2018 our 100 % policy will. If our 100% policy does, then it, and only it would be subject to this letter. This letter also states that if any other union with a contract 3 years or more doesn't have the same like terms in it. Then this letter shall not be effective. In other words. Every union group is going to be faced with this. Again only the policy that would go over the set amount of 27,500 for the year would be subject to this policy. If it doesn't go over that amount then nothing happens to the policy. I respect everyone's opinion on this, as well as anyone's right to vote yes or no. But let's state the facts and let people make a true educated decision, instead of half truth trying to influence someone's decision.