What is another term for health insurance policy subscriber?

Prepare for the Oregon Life and Health Insurance Exam with flashcards and multiple choice questions, each with hints and explanations. Get set for success!

The term "subscriber" in the context of health insurance policies typically refers to the individual who enrolls in and holds the insurance coverage. This means they are the one who is responsible for paying the premiums and is the primary member of the plan.

The correct answer is “participant,” as it reflects the role of the individual who actively takes part in the insurance plan. A participant is someone who is enrolled in a health insurance policy, which is synonymous with being a subscriber. This term emphasizes their active involvement in the health insurance program.

While “insured” also relates to the person who is covered by the health insurance policy, it can denote either the primary person or other individuals covered under the policy, such as dependents. Hence, while it is relevant, it does not specifically convey the same meaning as "subscriber."

The other terms do not fit as well in this context. "Underwriter" refers to the entity that evaluates risk and determines the terms of the insurance policy, rather than the individual who holds the policy. "Dependent" denotes a person, often a family member, who is covered under someone else's insurance policy but does not hold the policy themselves. Therefore, participant is the most appropriate synonym for subscriber.

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