John E. Murray. Origins of American Health Insurance: A History of Industrial Sickness Funds

John E. Murray's Origins of American Health Insurance concernsa little-known precursor to commercial health insurance, the"industrial sickness funds" of the book's subtitle. This well-researchedbook makes a compelling case for the importance of these fundsin shaping the American health insurance system as we know it.Murray argues that the success of sickness funds during theearly twentieth century helps to explain why European-styleuniversal health insurance does not exist in the United States. In 1915, industrial sickness funds