Our district went through the same garbage over the last two years. Our teachers were without a contract the entire time all because of their refusal to accept any contract that included a provision they pay anything toward health care. The old contract provided the district pick up the ENTIRE cost of their health coverage. They didn't pay for scripts, optical, dental, and medical.

All of it was paid out of the pockets of the district, hence the citizens. Further, because of the union, the districts are not permitted to seek competitive bids on like health care coverage, i.e., they MUST purchase the expensive policy linked to the NEA (MEA). That's just crap!
I remember the days of paying -0- for our coverage as well--it's been well over 16 years ago. Little by little we have had to fork over payment to cover the "family" portion of our coverage all the while watching our script co-pay coverage go from -0- to $30. My husband's company (which, btw, is a bank--institutions that used to be famous for having the "best" bennies) has switched plans more often than babies need a diaper change all in an effort to lower the overhead and provide a plan for the employees and their families. It sure hasn't been easy and, in fact, we've never been satisfied with the coverage we receive. At this point we no longer receive any dental or optical benefits. Still, we don't have the option of refusing to pay or "strike". We take what we are offered and must be happy to have it because, let's face it, the health care insurance situation is absolutely appalling! It is a racket that holds us all hostage.
With the dwindling funds provided by our lovely state for education, the high cost of payroll, and the insurance issues--no school in MI is in good financial straits presently. I believe the same goes for OH as well--look for stories about this issue in the Sylvania or Swanton school districts, if I recall correctly. Same thing--the teachers don't want to pay for health care. My husband, I, and many of our citizenry here also played the mini-violin for the teachers and they did not garner much sympathy. We all have to pay vast sums of money for coverage--paying NOTHING is just short of ridiculous in this day and age. Finally, the claim that they don't "earn" enough $$$$ to pay for coverage is bunk--most of the starting salaries are quite a bit higher than the mean salaries of of most folks who live in our area.
I guess I should have stayed out of this one--can you tell it raises my ire. Oh yeah, our teachers ended up paying around $20 p/month for their FULL coverage with a $2 script co-pay. I believe though, this amount will begin to increase over the length of the contract. All-in-all, they are receiving the coverage that my husband's company offered back in the 1980s! How's that for progress?
Edited to add: I also disagree with the "greedy" portion of the original post--we all would love to negotiate such sweet deals--for most of us, however, that just isn't going to happen. Let's face it, we are all jealous of those great benefits, but we can't all be teachers. They, along with state and federal workers, seem to be the few minority sectors in the work-a-day world that have been blessed with the ability to wrangle the 1970s/1980s health care benefits that many of us used to possess.