Final answer:
The health insurance movement of the early 20th century was influenced by European models, industrialization, and social reforms.
Step-by-step explanation:
The health insurance movement of the early 20th century was the product of three converging developments. First, several European countries, such as Germany, France, and Britain, had already implemented health insurance laws by the early 1900s. This served as a model for the United States to follow. Second, industrialization in the late 19th century led to population growth and urbanization, which increased the need for healthcare. Lastly, social reforms and improvements in public health practices, such as the provision of clean water and the importance of hygiene, contributed to the push for accessible and affordable healthcare.