A tentative agreement between Governor Pat Quinn and the state's largest public-employee union, AFSCME, means retired workers finally know how much they should budget for health care. And it means the state will finally get the savings it had already been counting on. State and university employees who retired after long government careers have not had to pay any health care premiums. A new state law requires them to contribute. But how much they pay was subject to contract negotiations. And AFSCME and the Quinn administration's negotiations dragged on for 15 months.