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Origins of American Health Insurance
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How did the United States come to have its distinctive workplace-based health insurance system? Why did Progressive initiatives to establish a government system fail? This book explores the history of health insurance in the U.S. from its roots in the nineteenth-century sickness funds offered by industrial employers and labour unions to the rise of group plans such as Blue Cross Blue Shield in the mid-twentieth century. Historians generally view the failure to establish universal health insurance during the first half of the twentieth century as an indicator of the political clout of insurers, employers, unions, and physicians who thwarted Progressive efforts. But the reasons are actually simpler, John Murray contends in this book. Careful analysis of the workings of industrial sickness funds suggests that workers rejected plans for compulsory state insurance because they were largely content with existing private plans. Murray revises our understanding of the evolution of health care insurance in the U.S. and discusses the implications of that history in the ongoing debates of today.
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