Health insurance

The social and economic vulnerability of wage laborers gave rise to nineteenth-century reforms that are the forerunners of modern health insurance. When the flow of resources to a household depends on wage labor, sickness for any prolonged period threatens the family's ability to secure food and shelter. The practice of organizing workers to contribute a portion of their wages to health (or sickness) insurance funds was a response to this vulnerability, and set a social pattern in industrialized nations that has continued for more than a century. The two principal ethical concepts associated with health insurance are social solidarity and social justice.

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