Which term refers to the earliest version of health insurance beginning in 1910?

The term that refers to the earliest version of health insurance beginning in 1910 is "sick funds." Sick funds were established as mutual aid societies, where members would pay into a fund and in return receive financial assistance or coverage for medical expenses during times of illness. This system laid the foundation for modern health insurance by demonstrating the community's role in providing financial support for healthcare needs, as well as the concept of pooling resources to cover risks associated with health issues.

While health maintenance organizations (HMOs), Medicare, and Medicaid are significant components of the U.S. healthcare system, they emerged much later and represent different concepts and structures of health coverage altogether. HMOs developed in the mid-20th century to provide integrated healthcare services, while Medicare and Medicaid were established in 1965 as government programs aimed at providing health coverage for the elderly and low-income individuals, respectively.