Health insurance plans provided by employers are often called group insurance plans. Organizations typically purchase and set up group health insurance plans to benefit their employees. Usually, a certain percentage of the organization must opt into the plan. Employees can accept or decline coverage when an organization offers group health insurance. Plan premiums are split between the organization and its employees, with the employer typically paying most of the costs. Coverage may also extend to an employee’s immediate family and/or dependents for an added cost, depending on the policy.