Which of the following would be considered a possible applicant and contract policyholder for group health benefits?
- Human resource department
- Employer
- Insured employee
- Insurance company

Yes, all of these would be considered possible applicant and contract policyholders for group health benefits. The human resource department of the employer is responsible for setting up the group health plan and administering the policy. The employer is the one that takes on the financial risk of providing health benefits to its employees. The insured employee is the person or business entity who is actually the recipient of the benefits and pays the premium for coverage. The insurance company is the entity that underwrites the policy and provides the benefits.