In an employer-sponsored group accident and health plan, the master contract is issued to whom?

• A. The employer
• B. The employee
• C. The insurer
• D. The plan administrator

Answer: (A)

In a group employer-sponsored plan, the master contract is issued to the sponsor of the plan—the employer—because the employer is the policyholder who funds and maintains the coverage for the group. The insurer writes the master policy and sets its terms, but the actual contract relationship is between the insurer and the employer. Employees are covered under that master policy and receive certificates of coverage as evidence of their participation, rather than owning their own separate policy. The plan administrator handles enrollment and claims administration, but does not hold the master contract.