By law GFT cannot negotiate health insurance; it is negotiated by the Governor and funded by the Legislature. Employeesâ€™ rates are high because the Legislature never increases the funding for the employers (GovGuam) share. GFT tried to establish our own health plan for members but unfortunately not enough members signed up and many of those that did didnâ€™t pay their bills which cost the union close to $250,000. If you want lower health insurance rates call your Senators. Click here for more FAQâ€™s. We will constantly be updating the FAQâ€™s as we visit more schools and eventually the rest of the agencies.