Which of the following is considered a benefit of group health insurance?

Group health insurance often provides the significant benefit of not requiring medical exams for participants. This feature allows individuals to join and receive coverage without going through potentially costly or invasive medical evaluations. The primary advantage of this is that it facilitates access to healthcare for those who might have health issues that would otherwise prevent them from obtaining insurance on an individual basis.

In many group plans, eligibility and enrollment are simplified, which makes it easier for employees to secure health coverage as part of their work benefits. This can contribute to higher participation rates and ensure a broader risk pool, ultimately fostering a healthier community overall.

The other options do not align with the typical benefits associated with group health insurance. For instance, group policies often have lower premiums compared to individual plans due to the shared risk among members. They also do not strictly offer comprehensive coverage only, as the specifics of coverage will vary by insurer and plan. Additionally, deductibles in group health insurance can be lower than those found in individual policies, further supporting the accessibility and affordability typically associated with group insurance plans.