What is a significant benefit of group health insurance plans?

Group health insurance plans primarily benefit from the concept of shared risk among a larger pool of individuals, which is why option B is the correct choice. In these plans, the costs are distributed across all members of the group, leading to lower per-person premiums compared to individual health insurance policies. The pooling of risk helps insurers manage potential claims more effectively, allowing them to offer more affordable rates.

While individual premiums can vary, there's no guarantee that they are always lower than those in group plans due to several factors, including individual health status and market conditions. Regarding pre-existing condition exclusions, while the Affordable Care Act has restricted such exclusions for certain plans, this does not apply universally or eliminate them entirely for all group plans, which makes that option misleading. Additionally, providing coverage for unlimited amounts is not a standard feature of group health insurance; most plans have limits on various types of coverage, making this option inaccurate. Overall, the structure and shared risk model of group health insurance contribute to its cost-effectiveness and appeal for many individuals.