House Speaker Andy Dillon's ambitious plan to put 400,000 public employees and retirees under a statewide health plan could save money because of increased buying power and administrative efficiencies. But make no mistake: The big savings would have to come from workers themselves in one of two ways-either increasing their premiums, copays and deductibles, or reducing benefit levels. That would affect government, university and K-12 employees who say they have sacrificed like others in a state reeling from a decade-long economic slump.