As a full time BD Medical Surgical Consultant who is retiring December 31, 2012 ... following a 33 year career with this outstanding company. The AETNA 375 plan is a bargin for my wife and I. It is 1/2 of what I paid as an employee and with the same benefits. I am leaving due to the new Cash Balance retirement program ... I am with the 85 point system ... few if any have this plan any longer. The medical sales and manufacturing environment is not just BD ... it is with all major players in our arena. Hospitals are chewing companies up for cost neutral ... manufacturing costs are skyrocketing ... and Obama and the United States of America are taxing companies like BD Millions of Dollars. And your BD health Insurance went up 25% from last year ????? LOL LOL LOL It is not BD it is the insurance companies ... they all jumped for 2013. Be thankful you have the coverage you have ... cause I certainly am grateful. And to quote carter.jeff75 ... exactly ... the best way to control healthcare costs is to stay healthy.