Unfortunately, insurers were convinced that health was impractical due to limited coverage of a limited number of qualifying illnesses. In the beginning, doctors had to practice on their own and use their own money to finance the care they provided (Chapin, 2015). Health insurance was established so late in American history due to many factors; The first is that there was no advanced medical technology in the beginning. Sick people stayed home to recover and receive medical care. In the beginning, health insurance was designed for a person who became ill and was unable to work and earn money (Chapin, 2015). During the late 1800s and early 1900s there were many medical advances that led to a new public image of medicine and allowed people to gain trust in institutions. In 1904, regulation was introduced by the American Medical Association that created standards for medical licensing, which led to the accreditation of medical schools. There was a decrease in medical schools in 1910-1912 from 131 to 95 and with this decrease came a more talented supply of licensed physicians. (Yale,