Unfortunately, not all districts in Texas followed the lead of Galveston and some school districts. I have a retired teacher friend, a lady with a master's degree, who depends quite heavily on her daughter's financial assistance, because her pension does not cover expenses.
Can't say why.
She changed locations (different districts in different cities) several times. Perhaps the plan was not available, or when it was available it required a buy in she did not wish to pay or could not afford to pay, or perhaps she opted out.
I suppose we'll read many stories, good and bad, in the coming weeks.
I am sure that many stories will be told. part of the problem is like MSM what is left out. time will tell. thanks for your comment.