Who Is Health Insurance A Contract Between? 
It depends upon whether you are asking about an individual or a group health insurance contract . If you have an individual health insurance policy with an insurance company the contract is directly between you and the insurance carrier . If the coverage is through an employer group then the contract is between the employer and the insurance company , the covered employee does not have a direct contract with the insurance company and has a certificate of coverage outlining the coverage they have through their employer 's contract but the employee themselves are not the contract holders . 