Group Health Insurance is an insurance that covers a defined group of people, for example the members of a society, or professional association, or the employees of a particular employer. Grouping individuals together allows insurance companies to give lower rates. Providing large volume of business to insurance companies gives us greater bargaining power for clients, resulting in cheaper group rates. Group Insurance also allows us to get better rates on ancillary coverages such as Life, Disability, Dental and Vision Insurance. It also allows for additional voluntary coverage at much deeper discounts than on the open market.