🩺
Healthcare — Legacy $0 Premiums Unchanged, Non-Legacy Pays Weekly (Effective 1/1/2027)
MIXED
Legacy Employees (hired before 5/24/2021) — $0 Premiums
| Item | Current 2021 | TA v4 (from 1/1/27) | |
| Weekly Premium | $0 | $0 | ✓ Same |
| Deductible self/family | $1,000/$2,000 | $1,500/$3,000 | ↑ Worse |
| Coinsurance | 80/20 | 90/10 | ✓ Better |
| Out-of-pocket max | $3,400/$6,800 | $3,075/$6,150 | ✓ Better |
| ER copay | $150 | $225 | ↑ Worse |
| PCP / Specialist | $20 / $40 | $20 / $40 | ✓ Same |
| Generic Rx | $15 | $20 | ↑ Worse |
| Preferred Rx | $30 | $30 | ✓ Same |
Non-Legacy Employees (hired after 5/24/2021) — Weekly Premiums
| Coverage Tier | Weekly (2027) | Approx Annual |
| Self Only | $20.00/wk | ~$1,040/yr |
| Self + Child(ren) | $25.00/wk | ~$1,300/yr |
| Self + Spouse | $30.00/wk | ~$1,560/yr |
| Self + Family | $35.00/wk | ~$1,820/yr |
Non-legacy premiums subject to 3% annual increase starting 1/1/2027. Non-legacy plan design has lower deductible ($1,000/$2,000) and better Rx copays than the legacy plan — better design but you pay the weekly premium.
📊 What Members Need to Decide
🏭 Site Context: Plant management stated the Saginaw site generates 27% of Nexteer's global revenue (~$1.24B) and 23% of company profit. Potential new customer contracts are pending — companies are watching the labor situation. TA v1 was rejected ~96%, TA v2 ~73%, TA v3 ~55% — the no votes are narrowing each round.
Arguments For
- $3,000 upfront plus back pay from 3/21/2026
- First COLA protection in four proposals
- Profit sharing up to $2,000/year (site-specific)
- VR flexibility restored — 6-min increments, 5 uses
- Perfect attendance doubled to 32 hrs/year
- Deferred holidays and OT voucher confirmed
- Healthcare premiums stay $0 for legacy employees
- New customer contracts waiting on labor stability
Arguments Against
- 12-point attendance — unchanged in all four proposals
- Wages identical to TA v3 — end rates same since TA v2
- COLA threshold (7.5%) rarely triggers in normal times
- Profit sharing requires Ideas in Motion participation
- Deductible up $500/$1,000 from 1/1/2027
- ER copay up $75
- No COLA that actually compounds into base wages
- 5-year lock-in through 2030
Member-prepared summary using the official TA v4 contract text. Not an official UAW or Nexteer document. Verify details with your committeeperson.