Which Were the Chief Factors That Led to the Creation

Which were the chief factors that led to the creation and growth of health insurance plans? (Select all that apply.)

A) Hospitals banded together,and their leaders encouraged such plans
B) Hospitals thought such a plan would allow them to expand further and faster
C) It was an employer alternative to increasing employee pay compensation
D) Nurses fought for the right of all citizens to purchase insurance as desired
E) Physicians were concerned with nonpayment of their office fees
F) Politicians encouraged this alternative to government-supported health care.