
Jack Wang
Content Specialist
What Is Group Health Insurance? Benefits, Coverage, and How It Works for Employers
Group health insurance is a key employee benefit in Canada that covers services beyond provincial healthcare, including dental, vision, prescription drugs, and mental health support. This guide explains how group plans work, their advantages like risk pooling and tax benefits, and their limitations such as cost unpredictability and rigid coverage structures. It also explores flexible alternatives like Health Spending Accounts and hybrid models that give employers better cost control while providing employees with personalized benefits options.