What does group health insurance generally provide?

Group health insurance is designed to offer coverage to a collection of individuals, typically organized through an employer or a union, under one single policy. This structure is advantageous because it allows costs to be pooled among all members of the group, often resulting in lower premiums for the individuals than they might find through individual policies. Additionally, the policy generally covers a wide range of health services, which can include preventive care, hospitalization, and specialty services.

This approach to health insurance not only spreads risk across a larger number of people but also simplifies the management of benefits, making it easier for employers to provide health care to their employees. Each member of the group receives coverage, which can be tailored somewhat to their needs, but the overarching policy applies to them collectively.

The other options are not representative of what group health insurance typically offers. For example, coverage exclusively for families is not the focus of group health plans, and while they may offer family coverage, it is not limited to just families. Similarly, offering lower premiums specifically for high-risk individuals isn't characteristic of group plans; instead, the group dynamic helps manage risk across the board. Lastly, the structure of covering a single individual under multiple policies doesn't reflect the essence of group health insurance, which is centered around collective