What does group health insurance generally provide?

Group health insurance is designed to provide healthcare coverage for a specific group of individuals, typically organized through an employer or an association. This type of insurance pools the risk among all group members, allowing for shared benefits that can lead to cost efficiencies compared to individual plans.

The primary advantage of group health insurance is that it often includes essential health benefits for a wide range of medical services, including preventive care, hospitalization, and specialist visits, making it more comprehensive for all members of the group. Unlike individual coverage, which is specific to each person and can vary widely based on personal health and underwriting, group plans provide a standardized set of benefits for everyone enrolled, promoting access to healthcare for all.

While some group plans may indeed cover only specific medical expenses, they generally do not limit coverage to just major medical expenses. This distinguishes them from options that would suggest a focus solely on temporary or limited types of coverage. Therefore, the essence of group health insurance is its provision of coverage tailored for a collective rather than for individuals separately.