A group health insurance plan is one that covers multiple people who do not necessarily have to be related to each other. They are commonly found as part of an employer’s benefits package.
When using a group plan, the policyholder (i.e. the employer) will support the policy and generally pay for a significant portion of the policy premium. However, individual participants will also pay a portion of the premium themselves, usually through a payroll deductible. Once enrolled in a group plan, the participating employee can use their plan to go to the doctor, pay for prescription drugs and receive other wellness care.