The stalled contract talks between the Louisville musicians and management can be summed up in two words: health care. “The orchestra now pays 99 percent of individual players’ health-care premiums. In its first offer, management sought a $50,000 savings in overall health-care expenses through a variety of options. The musicians’ Dec. 23 counterproposal included phased-in coverage for dependents — calling for the orchestra to pay 100 percent of dependent/family premiums in the 2008-09 season. The orchestra deemed that absurd.”