That's too easy an answer. They get basically the same options for health insurance as other federal employees. And that insurance is not materially different from the insurance you'd get from any other major employer.
They get world-class insurance. They do pay for it, but I never said it was free.
Incentives matter. If Senators & Congress people were given only medicare and not their ACA Gold plan + perks, medicare would probably be a lot better off.
