I'm assuming your definition of expensive is anything more than free. We pay a bit but it's good coverage. Who gets free insurance anymore? And before you say the teamsters, I'm guessing a dime or two of that 15% is helping pay for your insurance. Those greedy bastards in Overland Park aren't pocketing it all. As for the breakdown and layover, it would be nice to get my full hourly wage, but in a year and a half I can count the number of times I've needed it on one hand so who cares? I make a damn good living with my normal wages, I don't give a crap about that ancillary stuff.