This chapter describes the protections that you have in group health plans, such as those offered by employers or labor unions. Your protections will vary somewhat, depending on whether your plan is a fully insured group health plan or a self-insured group health plan.  The plan’s benefits information must indicate whether the plan is self-insured. Also, if you enroll in a fully insured plan, your protections will vary based on whether your plan is an HMO or non-HMO plan.