All of the following statements regarding group health insurance are true, EXCEPT:

In the context of group health insurance, the statement that individuals receive a separate policy is inaccurate. In a typical group health insurance plan, coverage is provided to a group of people, usually employees of an organization. Rather than each member having their own individual policy, the coverage is structured as a collective plan where all members are included under one policy or contract.

This structure allows for more efficient premium rates and coverage options, as the risk is pooled across the entire group rather than assessed individually. In contrast, individual health insurance policies are designed for single individuals and would require separate underwriting for each policyholder, which is not the case in group plans.

The other statements reflect accurate characteristics of group health insurance. Employers frequently pay a significant portion of the premium, making the insurance more affordable for employees. Furthermore, group plans often feature lower deductibles and can extend coverage to the dependents of employees, allowing families to be included under the same insurance umbrella. These factors contribute to the overall appeal of group health insurance for both employers and employees.