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

In an employer-sponsored group accident and health plan, the master contract is issued to the employer. This is because the employer is the entity that applies for the group insurance policy and pays the premiums to the insurance company. The insurance plan is designed to provide coverage to a group of individuals, typically the employer's employees, but the employer holds the contract and is responsible for the administration of the plan.

The employer serves as the policyholder and usually has certain responsibilities, such as collecting premiums from employees if applicable and communicating plan details. While the employees benefit from the insurance coverage, they do not hold the master contract themselves. Instead, they may receive certificates of coverage that outline their individual rights and benefits under the larger group policy issued to the employer. This structure is intended to streamline the administration of benefits and facilitate group pricing, making coverage generally more affordable for employees compared to individual policies.