What is group insurance?
Group insurance covers a defined set of people — such as the employees of one employer or the members of an association. Because people join the group for reasons other than buying insurance, the risk is spread across everyone.
Coverage and benefits
Group plans can include life, health and other personal insurance. Employers choose which benefits to offer — prescription drugs, dental, vision and therapy services — and set maximum limits for each. Most plans include some basic life and long-term disability coverage.
What affects the cost
- Deductibles and co-insurance: a $0 deductible costs the most.
- Your workforce: insurers price on the average age and the risk profile of the jobs.
- Group size: medium and large groups often skip medical questions and cover pre-existing conditions, and usually get better rates than individual plans.
- Renewals: premiums are reviewed every year and may change with the plan’s claims experience.
Employees may share part of the premium and still value the coverage highly.
Is this right for you?
- Small and growing businesses
- Employers competing for skilled staff
- Associations and professional groups
Frequently asked questions
How many employees do I need?
Some insurers offer plans for very small businesses. Tell us your team size and we'll find options.
Can employees share the cost?
Yes. Many employers split premiums with employees.
How it works
Talk to Brinder
Tell us about you and what you need — by phone, email or in person.
Compare options
We compare plans and explain the differences in plain language.
Get covered
We help you apply, then stay with you for renewals and claims.