Look here, if you are a professional pilot, ALPA MECs negotiate for things befitting a professional, like cadillac medical plans, at low cost to pilots, because they deserve them, and they need them for growing families. A CBA dictating this, along with a self insured company, is permissible by the new Healthcare Law, and it should be done for the professionals generating the revenue, end of story. Get out of the weeds, you are not a crewmember, you are a pilot.
If expecting to be compensated as a professional means I'm a radical, even though all risk is on me, and I generate all revenue on my flights, well, paint me a radical, but I get to define idiot, and your rolling over for failed MBAs and bad lawyers advising them, is right on the mark.