Volk Insurance Benefits is a well-established and reputed Colorado insurance broker in Loveland and Fort Collins, CO. Group health insurance plans are the most common type of health insurance in the United States and benefit both the employer and the employees. As the insurance provider gets to spread their risk across a pool of policyholders participating in the group plan, expenses associated with group health insurance are typically lower than other types of health insurance policies. Many employers even have established Premium Only Plans (POP plans) that allow employees to pay any employee-required contributions to premiums on a pre-tax basis. Between the employer contributions that are not taxable for employees and the POP plan, employer-sponsored health insurance is significantly subsidized owing to these tax breaks.