What is "group health insurance" commonly provided through?

Group health insurance is commonly provided through an employer offering coverage under a single policy. This type of insurance allows a group, such as employees of a company, to be covered under one collective insurance plan. Employers typically purchase group health policies to provide health benefits to their employees, often at a lower cost than individual plans due to the risk being spread across many people.

This arrangement not only simplifies the administration of health benefits but also usually provides access to a broader range of services at more favorable terms. Additionally, group plans can sometimes include dependent coverage, allowing employees to add family members to their health insurance at a lower cost than individual plans.

While individual policies and networks of healthcare providers do exist, they don't align with the concept of group health insurance, which is fundamentally based on collective coverage offered by an organization or employer. Conversely, public-private insurance combinations do not specifically address the structure and intent of group health insurance as provided through employer policies.