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Recent Trends
Written by Nancy Sinatra  

Group health insurance is essentially insurance provided to members of a group at a discounted rate by insurers. The insurers are able to provide this coverage at a discount because they're taking on a pool of insureds that they can spread the risk out among.

For many employers, group health insurance is perhaps the most important fringe benefit they offer because its advantageous tax-wise to both employers and employees. Employers benefit because they get a tax deduction for offering coverage. Employees benefit because compensation their employers provide them with to meet premiums is untaxed. Employer-based group health insurance has a broad reach. About 60 percent of Americans with private health coverage receive it from an employer-based group health insurance plan.

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Federal Regulations Govern Portability
Written by Nancy Sinatra  
The vast majority of Americans who have health insurance are provided coverage through the group health insurance policies of their employers. When these workers change jobs or lose their jobs, their coverage can change or be lost. The federal government has enacted regulations that help workers retain coverage
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Costs Proving Prohibitive to Small Business Coverage
Written by Nancy Sinatra  
More than half of employers that run small businesses offer group health insurance coverage for employees, but this number has been dropping since the late 1990s as costs have made providing coverage out of the reach of many small companies.
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