Group Health Quotes
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Group Health Insurance
There are several types of Group Health Insurance
1. Blue Plans – 5 or more people
2. True Group – 10 or more people
3. Franchise Group – small group – 5 person minimum
4. Union Groups – require 25 or more people
5. Debtor Group – 100 or more people
6. Other Groups – state patrol, etc.
True Group Insurance
If Group insurance is sold to groups of 10 or more it is called True Group Insurance. Group insurance is handled differently than individual commercial policies. Click on the banner above to learn more.
Franchise or Wholesale Group Health Insurance Plans
Sometimes small groups do not contain 10 or more employees and hence are not eligible for “True Group” plans. The law provides these types of small groups are eligible for what are called Franchise or Wholesale Group type of plans. These types of plans require a minimum of 5 participants. Unlike True Group Plans, Franchise plans use individual underwriting where every insured individual is evaluated and also gets an individual policy, not a certificate.
