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The majority of people who are insured are covered under an employer group health plan. Having health insurance under an employer group health plan is considered a very desirable job benefit. This benefit is a factor considered by prospective employees and when changing jobs. The bulk of the insurance business for insurance companies comes from group health plans.

There are usually three group plans, usually determined by the number of employees in an organizatioon.

The small group health insurance plan is for companies having 50 employees or fewer. For the business that qualifies, insurance coverage can not be declined based on the health of the employees. But due to the size of the employer, the options are not as wide as for the mid-size and large group plans.

The mid-size health insurance plans offer more options and flexibility to the employees. Unlike the small group plan, the insurer can declined issue.

Even greater flexibility is offered by the large group health insurance plan. Due to their size, large corporations can usually be give beneficial customizations on the plans. Even though coverage is not guaranteed, insurance companies are usually happy to take on larger corporations due to the risk being spread across a big organization.