Answer:
owned medical insurance for catastrophic illness but paid for routine medical care out of their own pockets.
Explanation:
Before world War 2, people who have done medical insurance uses this insurance only for catastrophic illness and paid money for the routine check up. But After world War 2, these people uses medical insurance for both catastrophic illness and routine check up because of poor financial conditions. The second word war damage the financial condition of many people so they cannot pay routine check up bills.
It did not lead to the Civil War, what led to the civil war was the war of 1812. That was when U.S.A recognized that it needed to become stronger, and slaves were transported to the United States and put in the working class under bad conditions. Child labor and prejudice began there as well.
The Muckrakers were a group of journalists and writers that provided an important spark and ignited the Progressive movement. They were interested in exposing the problems in American society and urged the public to identify solutions.
They helped initiate the Progressive Era by analyzing if those bad conditions were linked to corrupt politics, poor working conditions in factories, bad living conditions of the working class and others.
They sparkled this analysis into people who read the newspapers and that wanted to change for their lives and because of that, an agenda was created.