Group Health Insurance coverage is a policy that is purchased by an employer and
is offered to eligible employees of the company, and often to the employees' family
members, as a benefit of working for that company.
The Group Health premiums may, or may not be off set in part by employee contributions.
Federal law mandates that no matter what pre-existing health conditions small employer
group members may have, no small employer or an individual employee can be turned
down by an insurance company for group coverage.
This requirement is known in the insurance industry as guaranteed issue.
In addition, each insurance company must renew its small employer health plan contracts
every year, at the employer's discretion, unless there is non-payment of premium,
the employer has committed fraud or intentional misrepresentation, or the employer
has not complied with the terms of the health insurance contract.
Typically, Small Group Health Insurance consists of 2 to 50 employees, while Large
Group Health Insurance consists of 51 employees and above.
Some States do allow a Small Group of One to qualify for guaranteed issue Group Health
Insurance. You can check here, to see if your state does.