I would guess less than half of those people ever use the coverage, and those that do still use the public option for more than half their medical needs. It's often bundled with employment packages with the idea that it provides some kind of insurance when a key member of staff need treatment and can be prioritised to jump some queues, but in everyday situations like when their kid falls off a bike and spits out some teeth, they're going to use the same service as everyone else, because it's simply quicker and more effective to do so.

Private insurance is very much a supplement, not a totally parallel system in the UK:

https://www.moneyadviceservice.org.uk/en/articles/do-you-nee...