Below is a list of products.  This may help you decide what exactly you or your business needs for insurance coverages.

Health Insurance:
Individual Health Insurance: a policy for you and your family members.  These products go through underwriting.
Group Health Insurance: a policy that is designed for businesses with one or more employees.  This product in most states is guaranteed to be issued.  This does not go through underwriting an the business cannot be turned down no matter the health conditions of employees.

Confusing Terms:
Pre-existing Conditions: This is a health issue that you or one of your employees has had in the past and will show up on a health report.
COBRA:  This is your past employer has an obligation to offer you health insurance for a given amount of time but, you must pay the premium.
State Continuation:
Voluntary Products:  These are products you can offer to your employees at a cost to them.