What Do Health Insurance Underwriters Do?

1. 

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   Jim Winkler

   CEO/Owner, Winkler Financial Group, Houston, Texas

   That's a great question! In general terms, the underwriter is the person who determines whether or not you qualify for a particular financial service, like a bank loan, or as you asked, insurance. An insurance underwriter will look at your health issues, medical history, prescription records, actuarial tables, and other things like your credit and family history, if needed, to determine the risk of insuring you. From that data, they will determine if you qualify,  and if so, for what plan and amount of coverage, and at what rate. If you have more questions, please feel free to contact me, I'm happy to help. Thanks for asking!

   Answered on May 3, 2014

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2. 

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   Neil Steinman

   Owner, Orange County Health & Life Insurance,

   While other answers on the page are exactly correct, at this point, health insurance underwriters don't do much, since there is no longer health insurance underwriting (if you're purchasing a plan that is compliant with the Affordable Care Act). Remember, you can now get health insurance regardless of pre-existing conditions.  Hence, no underwriting. In my humble opinion, all of the underwriters should have been moved to customer service so you don't have to wait on hold for so long :-)

   Answered on May 4, 2014

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