If you truely knew what you were talking about you would know that a family or spouse policy directly through bcbs is cheaper than what the state policy offers, and offers cheaper copays and deductibles. Maybe you should be directing your frustration towards the people you elected for not obtaing a better group policy, rather than those that work to provide services for you at the elected officials direction. Remember that the 6% taken from the state/city/county etc employees paycheck( without the choice of the emoplyees to invest individually) for retirement is supplimenting/funding the budget gaps and "help" programs. That 6% could be used at home much better. Oh and if an employee smokes or is overweight benefits their are reduced. You might want to spend some of your spare time educating yourself and commenting based on facts instead of emotion.
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