Health insurance for five centuries, but it is only recently that they developed in their present form. The history of health insurance has come now to a large intersection.
The history of health insurance could be said that the five centuries ago, when Hugh started the Elder Chamberlen first proposed the concept. Only at the end of the 19th Century, however, that began the current form of insurance to develop. The first insurance company tooffer a contract to complete the health insurance was the Franklin Health Assurance Company of Massachusetts, which was founded in 1850. They provided coverage for railroad and steamboat accidents.
This early form of insurance was based on the model of disability insurance. The idea was bound to protect against the loss of revenue and expenses related to accidents. Many of the early companies followed this idea with plans that would protect policyholders from the impacta serious accident, but not really about himself with the usual medical care. From 1866 there were about 60 different organizations that these types of services in the United States.
It was in 1890 that the idea of "illness" coverage was first introduced in 1911 have been insurance begins on the more familiar figure to assume that include payments for routine, preventive, emergency and medical expenses. In the years leading up to World War II, the programs that wouldthe Blue Cross organizations began. This was the golden age of health insurance. The employees were covered by policies that virtually removes all concerns about the takeover of health care costs.
However, in recent years, the explosive increase in the cost of care important changes in the health insurance industry has worked. The insurance companies were forced to fight rising costs by restructuring its policies and premiums increased. SuchThings like exceptions and co-payments were introduced to try to keep premium costs down. Several innovative insurance plans have been introduced and were as Health Maintenance Organizations (HMO) known.
There was a time in the history of health insurance, if the difference between the free government health care and the low cost of insurance was very low. Since the health sector was not regulated, began to rise in healthcare costs are forcing tooTo fight insurance companies to provide their services and maintain profitability. The industry seems to be at a major intersection, now that it still struggles to cope with the crisis in health care costs. Today, nearly 47 million Americans are without health insurance all.
See Also : Cordless Drills Borishalolas’s Weblog Douglaskimos’s Weblog
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