Group health insurance is a type of health insurance plan that covers a group of people under a single policy. The group can be comprised of employees of a company, members of a club or organization, or other defined groups. In general, group health insurance plans offer more affordable coverage than individual plans, as the insurance premiums and costs are shared among the group members.
Group health insurance plans may also offer more comprehensive coverage than individual plans, including medical, dental, vision, and prescription drug coverage. Additionally, group plans may have lower deductibles, copayments, and out-of-pocket maximums than individual plans.
Employers may choose to offer group health insurance as a benefit to their employees in order to attract and retain talent. Members of other groups may also be interested in group health insurance as a way to access affordable health care coverage.
If you are interested in group health insurance, you should speak with your employer or organization to see if they offer such a plan. You can also speak with insurance providers in your area to compare plans, costs, and coverage options.
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HEALTH INSURANCE SPECIALIST 