Group insurance isn't weird at all. Health insurance is new, because until the 1920s/30s the salary loss from sickness was more expensive than medical care, so

Group insurance isn't weird at all. Health insurance is new, because until the 1920s/30s the salary loss from sickness was more expensive than medical care, so that's what was insured against. But no sooner was demand for health insurance created than it was pushed into groups. In America, there's never been a time where non-group insurance was the norm. The reasons is clear: healthy people would not get coverage, but sick people would.