How did insurance become common in health care?

Health insurance has become a common feature of modern healthcare systems, but its history is quite complex. In the 19th century, health insurance was mainly used as a form of compensation for workers who were injured or became ill on the job. From the turn of the 20th century, the concept of health insurance began to spread, with employers and governments creating schemes to help cover costs associated with healthcare. The rise of health insurance in the US was largely driven by the introduction of employer-sponsored plans, which allowed employers to pay a portion of their workers' medical costs. Over time, more and more people began to purchase health insurance, leading to the establishment of private insurance companies. Today, health insurance is a vital part of healthcare systems around the world, helping to provide coverage for individuals and families.

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