Historically, How Did Health Insurance Become Linked with an Individual's

Historically, how did health insurance become linked with an individual's employment?

A) One of the first insurance plans was arranged by a group of Dallas schoolteachers.
B) As an employee benefit, health insurance can increase functional income without affecting taxable income.
C) The insurance industry wanted to expand from accident insurance to more comprehensive health insurance.
D) The industrial revolution increased the likelihood of on-the-job injury, resulting in higher health costs for workers.