Who is considered a "participant" in an insurance plan?

A "participant" in an insurance plan refers specifically to an individual who is covered under an insurance policy. This means that the person has the benefits and protections that the insurance plan provides, which could include coverage for medical expenses, hospital visits, and other healthcare costs.

This definition is essential for understanding how insurance plans function and who is eligible for benefits. Participants actively benefit from the services provided under the plan, and their needs guide the operations and offerings of the insurance provider. In contrast, the other groups mentioned do not fit this definition: individuals who pay premiums may contribute financially without being covered, family members not included in the policy have no access to benefits, and agents facilitate the sale and management of policies but do not qualify as participants within the context of coverage.