I guess your children are over the age of 11. That is the biggest change. Children up to age 19 used to be free but now you pay the student rate after age 11.
My big concern is the trend/precedent that this sets. It could very quickly turn a reasonably priced, aircrew friendly healthcare plan into a very expensive and uncompetitive product.
I would suggest to Baymac that we have the option of removing medical cover in USA (for those that are unlikely to need it) and that an appropriate discount be offered.
We will not be renewing otherwise.