anecdotal information is always uncertain if no background is provided.

a better question would be... who has actually signed up for the AFC insurance and what has been their experience... or first/second hand info if a relative or personal friend has done so.

I joined state service in order to get decent health insurance and a secure pension... met too many folks who worked 30 years for a companies that went under & took their pension programs with them. Of course, the CEOs made out OK.