Which term describes a person covered under a health insurance policy?

The term that best describes a person covered under a health insurance policy is "Subscriber." The subscriber is typically the individual who enrolls in the health plan and is the primary member in relation to the insurance contract. This person assumes the responsibility for paying premiums and managing the healthcare coverage.

In the context of health insurance, the policyholder is often the subscriber as well, but "subscriber" specifically emphasizes the coverage aspect — indicating the individual who benefits from the insurance plan. While beneficiaries are entities or individuals who receive benefits from a policy upon an insured event, and dependents are individuals, often children or spouses, who are also covered under the policy but are not the main policyholder themselves, the term "subscriber" directly points to the individual covered by the health insurance plan.