Which entity is typically considered a possible applicant and contract policyholder for group health benefits?

The employer is typically considered the possible applicant and contract policyholder for group health benefits because they are the party that usually negotiates and enters into a contract with the insurance company to provide health coverage for their employees. In most group health insurance plans, it is the employer who selects the plan options, pays the premiums, and has the authority to modify the coverage based on the needs of their workforce.

The role of the individual employee is different; while they may be covered under the group policy, they do not establish the contract with the insurer. The insurance company, on the other hand, provides coverage and assumes the risk but does not apply or hold the policy. Lastly, a government agency might be involved in health insurance regulation or may offer certain health benefits, but they typically do not act as the policyholder for group health insurance plans in the way an employer does.