The big dollar programs for federal employees are retirement and the FEHB, and employee organizations say that Congress would have little choice but to look for such savings from them in any bid to carry out the savings assumption. Both the House and Senate earlier assumed raising employee retirement contributions to make them equal with the agency share, about a 6 percentage point increase on the employee side with an equal reduction on the agency side. According to an earlier House estimate, that would save about two-thirds of the amount specified. The House also originally suggested replacing the current FEHB premium-sharing formula–in which the government pays about 70 percent of premiums on average–with a voucher-type system in which that share would be set at a dollar rate and increased more slowly than actual premiums. That would be enough to account for the remainder of the required savings, according to that estimate.