A group health insurance plan is a variant of a group health plan that furnishes actual health insurance coverage.

An employer or employee organization procures a group health insurance policy and extends its offering to eligible participants, along with their eligible dependents. This method of insurance operates by dispersing the risk across the company, contingent on the number of participants covered. Various types of group health insurance plans exist, such as HMO and PPO.

Group health insurance is often referred to as employer-sponsored health insurance or job-based health insurance. To clarify, a group health insurance plan falls under the category of a group health plan, although not all group health plans provide health insurance coverage.

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