When Was Health Insurance Invented? 
Health insurance in the US developed in the early 20th century . The first recognized health insurance program came from Bayor University . Up until the 1960 's the majority of Americans who had health insurance were only covered for hospital expenses , and were not covered for Doctors services rendered outside of a hospital . The 1970 's became a decade where medical science had advanced to the point where fewer individuals required hospitalization , people were recieving effective treatments from their doctors before their health conditions compounded . This was when health insurance that covered hospital and office visits to their doctor became standard ... 