Health Insurance Before the Welfare State: The Destruction of Self-Help by State Intervention
By Pavel Chalupníček
Luká Dvořák

This article appeared in the Winter 2009 issue of The Independent Review


Fraternal organizations and friendly societies provided health insurance for hundreds of thousands of Americans and Britons before the surge of the welfare state. Their rapid disappearance underscores the fragility of voluntary institutions when challenged by government power.

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