Here's a little bit on the history of health insurance in the U.S. Note that getting insurance through your employer means every employee is paying the same in premiums even if everyone is not equally likely to access the care that the insurance is meant to cover. So the accident in history encouraged an approach that we'll call a pooling equilibrium.
I have to assume the public school teachers in Dallas were relatively young and healthy. On that assumption, the individuals would indeed be less likely to use the insurance as often. If this small group had been older and possibly less healthy, the experiment could have ended in a failure. With that being said, I’m happy the experiment ended on a positive note.
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