The local government employee gets the coverage like accident benefits, disbursement and many other benefits if you are state to local government employee than you will get the benefits of group health insurance for your children and spouse.
Generally majority of the company prefer to cover its employee under the group insurance scheme but it is not required for all employee to participate in the group health insurance scheme. In the private company, participation in the group health insurance scheme is based on the employee. It depends on the employer to decide its share under the group health insurance policy.
It is not require for all employee to participate in the group health insurance policy. Some employer pay total premium under the group health insurance policy so all the employee are participate in the group health insurance. If contribution of the employer is more than 50 percent than employee must participate in the group health insurance policy.
