In a group health insurance plan, which benefit typically differs from an individual plan?

In a group health insurance plan, the benefit that typically differs from an individual plan is that the cost-sharing is lower. This is primarily because group plans spread the risk among a larger number of participants, which often leads to lower premiums and reduced out-of-pocket expenses for members.

In group plans, employers or organizations often negotiate better rates and provide more extensive coverage options which can lead to lower deductibles and co-pays compared to individual plans. This collective bargaining power allows for cost efficiencies that are not generally available to individuals purchasing insurance on their own.

Moreover, individual plans often come with higher costs for premiums and may have more stringent underwriting requirements compared to group plans, which usually have guaranteed issue and community rating provisions to ensure that everyone is covered regardless of their health status. This further contributes to lower costs associated with cost-sharing in group plans.