Group Health Plan

A “Group Health Plan” (GHP) is health insurance offered by an employer, union or association to its members while they are still working. GHP coverage is based on current employment. Employers with 20 or more employees are required by law to offer current workers and their spouses who are age 65 (or older) the same GHP health benefits that are provided to younger employees. Examples of health insurance policies that are GHPs based on current employment. Include: Small or large employer-sponsored plans for its current employees, Self-insured plans, Employee organizational plans (i.e., union plans or hours banks), National health plans in foreign countries. Do not include: Plans that only cover self-employed individuals, Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage, Retiree coverage, Continued coverage based on severance pay, Health savings accounts, Veterans Affairs (VA) coverage. Source: [https://www.ssa.gov/help/iClaim_grpHealth.html#:~:text=A%20%E2%80%9CGroup%20Health%20Plan%E2%80%9D%20(,is%20based%20on%20current%20employment](https://www.ssa.gov/help/iClaim_grpHealth.html).