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MUSIC PLAYING To understand the structure of American health insurance,we also need to go back to the 19th century.It was then that in remote, rural locationsemployers began to offer their workers coverage.Loggers out in the woods of the Northwest,miners in various rural areas, got their health insurancefrom their employer.And then in the early part of the 20th centurythe depression forced a real change.Because of the depression lots of Americanswere not able to afford health care.Use of the hospital went down.In 1929, Baylor University in Dallas, Texas,offered teachers a deal.They would provide 21 days of hospital care per yearfor a $6 premium.Many people date the founding of health insurance in Americato this action by Baylor.Many people considered the Baylor experiment in Dallasthe birth of health insurance in America.The idea quickly spread to other cities and other hospitalsacross the country.Actually, many hospitals in the citywould combine and offer an insurance productso the in

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