Why Did Employers Decide to Offer Health Insurance as an Employee

Why did employers decide to offer health insurance as an employee benefit?

A) Hospitals and physicians quit offering charity care to those who could not pay
B) Society was focused on not having to pay for doctor visits and other needed health benefits
C) Teachers were role models for unions to demand insurance as a benefit
D) To obtain and retain the limited number of persons available to work when government rules prohibited raising wages,insurance was offered.