I discussed the problem with Jim Reimer, our local's union president. After checking with the ATU International, Jim said he would be willing to hear what the company had to say. The result was saving money for the authority and saving jobs for ATU Local 801. The union was not obligated to re-open the contract. There were almost two years remaining on the current agreement.
Employees are rightfully hesitant to fiddle with their health insurance.
Some of the credit for reduced losses can go to better claims management. Many for-profit companies have claimed reduced workplace accidents as a result of employee empowerment.