What type of coverage is typically not for groups that are too large to qualify for regular group coverage?

Franchise insurance is a type of coverage specifically designed for small groups or individuals who may not meet the size requirements for traditional group coverage. This insurance caters to employees of a particular employer or members of a specific association but falls short of qualifying as a standard group. It allows these smaller groups to purchase coverage collectively, often at better rates compared to individual policies, while still providing the benefits typically associated with group plans.

The emphasis on small groups in franchise insurance is key to understanding its function. It serves as a bridge for those who are not part of larger organizations but still wish to access group rates and benefits, making it uniquely suitable for businesses or associations that do not have enough members to qualify for standard group insurance.

Other options like fraternal benefit insurance, government insurance, and general agent services have different target groups or functions that cater to a broader audience or specific needs unrelated to the confines of group size qualifications.