Group Health Insurance — 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.