Which of the following is a key feature of group health insurance?

Group health insurance is characterized by being offered typically through employers or organizations rather than being purchased by individuals directly. This structure allows risk to be pooled among many individuals, which generally leads to lower costs and premiums compared to individual health insurance plans. Employers often provide this coverage as a part of employee benefits, making it an attractive option for both parties.

The collective nature of group insurance means that it does not typically involve the same underwriting processes as individual policies, which is why options mentioning individual underwriting or guarantees of lifelong coverage do not apply here. Additionally, while premiums for group health insurance can vary, they tend to be more cost-effective than those found in individual plans; thus, claiming that they usually have higher premiums does not capture the essence of group health insurance.