In an atmosphere of ever-growing health care and health insurance costs, group health insurance coverage is becoming critical for many employees. In fact, surveys consistently show that employees value health insurance benefits above all others. Studies have shown that a solid majority (over 60%) of Americans receive health insurance benefits via group health insurance coverage through their employer (or their spouse's employer). Of course, from the employee's point of view, this is the least expensive option for securing health insurance. Nevertheless, whether you are a business owner or employee, what follows is a discussion of some interesting aspects of the group health insurance market.