A good employee group health plan will consist of various plans that employers can make available via payroll deductions. Most health plans have a variation of managed network plans which are called gated because one has to go through a primary care doctor to determine if more treatment will be needed, while others do not require primary doctor authorization to seek specialist care.

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.

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.

Group Health Insurance Plans consist of

Core benefits