A group health plan is an employee benefit plan established by an employer or an employee organization, like a union. These plans provide medical care for participants and their dependents directly through insurance, reimbursement, or otherwise. 

There are many benefits to group health insurance plans. They have lower costs because the risk of insuring a group is lower than insuring an individual. In many cases, the employer or organization sponsoring the plan will also pay a portion of the premium costs. This makes group health insurance a great benefit to offer employees. They are not allowed to restrict access to coverage based on previous health conditions.