Group Health Insurance

Group health insurance is health insurance provided to a large number of people under a single master policy. Group health insurance is most often obtained through an employer but is also available to small business owners and freelance contractors through professional associations and unions.

Since groups are able to negotiate better terms with insurers, the premiums are generally lower and the service coverage generally more comprehensive when getting group health insurance. The rates available were you to purchase an individual health insurance plan would likely be considerably higher. Individual health insurance plans are those plans that are privately purchased by consumers and include coverage for individuals, couples, and families.