Federal and postal employee and retiree organizations for years have worked to oppose one new type of plan in the FEHB, the medical savings account concept that features low premium, high deductible plans coupled with tax-favored accounts to pay the deductibles and other out of pocket costs. The concern has been that such plans would drain off relatively healthy enrollees, forcing other plans to raise premiums and/or reduce benefits. While the APWU plan is not an MSA, the National Association of Retired Federal Employees has said it is “fearful about the precedent this sets for the program and the slippery slope we are about to descend.” Federal unions are expressing similar concerns.