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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured

Featured
13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
6 lessons Mary Lou Retton’s health scare can teach us about coverage
Mary Lou Retton’s health scare story included some important lessons for consumers, many of whom may assume that the celebrity’s health scare is a sign of barriers to affordable health coverage.
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medical underwriting

What is medical underwriting?

Medical underwriting is a process that was widely used by individual market insurance companies prior to 2014 to evaluate whether to accept an applicant for health coverage and/or to determine the premium rate for the policy. Medical underwriting was also used in many states to determine premiums for small group plans, with the overall medical history of the group factoring into the premiums.

Since 2014, however, medical underwriting is no longer used in the individual or small group markets, due to Affordable Care Act rules. Instead, all individual and small group plans are guaranteed issue.