Blue Cross Hospital Insurance was primarily modeled after which institution's plan?

The correct answer highlights that Blue Cross Hospital Insurance was primarily modeled after the Baylor University Hospital's school teachers plan. This plan emerged in the early 20th century as a way to provide hospital care to the teachers of Dallas, Texas. Baylor's approach was novel because it introduced the idea of prepaying for hospital services, allowing members to pay a flat fee in exchange for a certain number of days in the hospital. This model laid the groundwork for what would eventually become the Blue Cross movement.

The concept proved successful and inspired similar arrangements elsewhere, leading to the establishment of Blue Cross plans across the nation. By focusing on providing access to hospital care through a prepaid model, it established a foundational approach to health insurance that addressed the financial barriers faced by patients.

Other options, while they may involve innovative healthcare models, did not serve as the primary inspiration for the Blue Cross system specifically. The Baylor plan uniquely addressed the need for accessible hospital care directly tied to a community of individuals, making it a pivotal model in the development of health insurance in the U.S.