1. Group health insurance is generally issued to an employer using a:

Master policy, with certificates of coverage to employees

The group sponsor holds the master policy; covered members receive certificates summarizing their coverage.

2. Compared with individual health insurance, group coverage usually:

Uses simplified or no individual underwriting

Group underwriting evaluates the group as a whole, often with little or no individual evidence of insurability.

3. COBRA generally allows a qualified employee who loses group coverage to continue it for up to:

18 months (longer for certain qualifying events)

COBRA continuation is typically 18 months, with extensions (e.g., 29 or 36 months) for certain events.

4. When group coverage terminates, many plans allow the insured to convert to:

An individual policy without proving insurability

A conversion privilege lets a departing member obtain an individual policy without new evidence of insurability.