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Accident insurance was first offered in the United States by the Franklin Health Assurance Assembly of Massachusetts
- This firm, founded in 1850, offered indemnity against injuries arising from railroad and steamboat accidents
- Sixty organizations were offering accident provision in the US by 1866, but the manufactory consolidated rapidly soon thereafter
- While there were earlier experiments, the origins of sickness coverage in the US effectively date from 1890
- The first employer-sponsored group disability policy was issued in 1911.
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A recent analysis by PriceWaterhouseCoopers examining the drivers of rising health fear costs in the US pointed to Affordable Health Insurance increased utilization come onstage by increased consumer demand, current treatments, and fresh intensive diagnostic testing, as the most denoting driver. People in developed countries are living longer.
