That's fine to consider adding a larger deductible or co-insurance to town employee plans, but to be equitable then the wages/salaries need to be re-evaluated as the "total compensation" for the job needs to mirror private sector. One of the "compensations" to a town employee for accepting 60% "going rate" salary of an equivalent private sector job are the other benefits, including health care and retirement. It is unfair to rape the compensation package of the wheat and leave the chaff. I'm sorry, I mean "reap".
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