Prior to World War II most consumers in the United States:

owned medical insurance for catastrophic illness but paid for routine medical care out of their own pockets.
paid for catastrophic illness out of their own pockets but owned medical insurance for routine medical care.
had no medical insurance of any type.
owned medical insurance covering both catastrophic illness and routine medical care.

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.

cutting down of the rainforest