Group Health Insurance

An insurance plan that provides healthcare coverage to a group of people. These plans are generally uniform in nature, offering the same benefits to all employees or members of the group. They usually cost less for participants than individual plans but offer the same benefits. (This is because the risk is spread throughout an entire group rather than belonging to one person.) If the cost of premiums is borne by the insurer, than the group health insurance plans are fully deductible. Additionally, any benefit received by group members is tax-free.

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