In a group accident and health plan, the master contract is issued to the employer for the purpose of administering benefits to the group. Which option best describes this arrangement?

• A. Issued to employees individually
• B. Issued to a third party administrator
• C. Issued to the employer
• D. Issued to the insurer

Answer: (C)

In a group plan, the master policy is the contract that covers the group as a whole and is issued to the sponsor of the plan—the employer. The employer owns the master contract and uses it to administer benefits for the group, often with a third‑party administrator handling enrollment and claims. Employees aren’t the policyholders; they receive certificates of coverage under that master policy.

So this arrangement is best described as the master contract being issued to the employer. The other options don’t fit because the master policy isn’t issued to individual employees, nor to a third-party administrator, and the insurer isn’t the policyholder—the insurer is the issuer, while the employer is the policyholder.