Excerpt: [C]afeteria plans would make health care unaffordable for a large number of federal employees because they 'put responsibility for paying for benefits onto the employee instead of where they belong, on the employer,' [said] Derrick Thomas, national vice president of the American Federation of Government Employees' 2nd District ... 'Cafeteria plans are deceptive,' Thomas said. 'The plans force employees into 'either-or' decisions between benefits that should be provided universally.'