Questions: How does group health insurance differ from individual health insurance? A. Pre-existing conditions not covered B. Individual evidence of insurability is required C. Individual evidence of insurability is not required D. Premiums are higher

The answer is C. Individual evidence of insurability is not required

This option is not accurate for group health insurance. Group health insurance plans often cover pre-existing conditions, especially after the implementation of the Affordable Care Act (ACA) in the United States, which prohibits discrimination based on pre-existing conditions.

This option is incorrect for group health insurance. One of the main advantages of group health insurance is that it typically does not require individual evidence of insurability. Coverage is generally extended to all eligible members of the group, regardless of their individual health status.

This is the correct option. Group health insurance plans usually do not require individual members to provide evidence of insurability. This means that employees or members of the group can obtain coverage without undergoing medical underwriting or providing detailed health information.

This option is incorrect. Generally, group health insurance premiums are lower than individual health insurance premiums because the risk is spread across a larger number of people, which can lead to cost savings for both the insurer and the insured.