A health insurance program that covers members of a natural group, such as
employees of a business or members of a union, association, or employer group.
A group health insurance plan offers uniform coverage for all employees or
members of the group. Generally, each employee or member of a group health
insurance plan is responsible for an annual deductible and some coinsurance
portions of medical costs incurred, unless the plan uses a health maintenance
organization (HMO) or preferred provider organization (PPO). Group health
insurance plans usually cost less for participants than individual plans that
offer the same benefits.