Group health insurance is a type of health insurance coverage that is provided to a group of people, such as employees of a company, members of an association, or members of a union. The group members typically share the cost of the insurance premiums, which are often lower than individual insurance premiums.

Employers are the most common sponsors of group health insurance plans. They may offer group health insurance as a benefit to their employees as part of a compensation package. In some cases, employers may pay for the entire cost of the premiums, while in others, employees may have to pay a portion of the cost through payroll deductions.

Group health insurance plans are usually managed by the employer or the group sponsor, and they typically offer a range of coverage options, including:

1. Health maintenance organization (HMO) plans: With an HMO plan, you choose a primary care physician who will be your main point of contact for medical care. The HMO plan typically covers care provided by your primary care physician and any specialists or hospitals within the HMO's network.

2. Preferred provider organization (PPO) plans: PPO plans give you more flexibility to choose your healthcare providers. You can choose to see any doctor or specialist, but you'll typically pay less if you see a provider within the PPO network.

3. Point of service (POS) plans: POS plans are a combination of HMO and PPO plans. You choose a primary care physician, but you can also see providers outside the network for a higher cost.

Group health insurance plans often offer benefits beyond basic medical coverage, such as dental, vision, and prescription drug coverage. In addition to the monthly premiums, group health insurance plans also have other costs, such as deductibles, copayments, and coinsurance.

Overall, group health insurance plans can be a valuable benefit for employees or members of a group, as they can provide access to more affordable healthcare coverage. If you are considering enrolling in a group health insurance plan, it's important to review the plan details carefully to understand what is covered and what your out-of-pocket costs will be. Your employer or group sponsor can provide you with more information about the available options and how to enroll.