Types and rates of health care insurance coverage have changed considerably in the last 50 - 60 years. From the 1960s through the 1980s, the principal type of group health insurance was indemnity insurance. Its benefit design required covered individuals to pay a portion of provider billed charges after meeting an annual deductible.
From the 1980s forward, indemnity coverage was replaced by managed care. Health care providers (physicians and hospitals, etc.) were required to accep..